Solve that problem first and maybe I'll change my mind. Otherwise I'm being honest in my situation. IME employer provided insurance is way better than what I can find on my own.
Americans (I'm an American) sometimes have a preconceived notion that, if something is really expensive, it must be good. No... no that's not necessarily the case.
The insurance companies would love for you to believe that, but in actuality, we're just getting fucked. It's just a worse system overall, in pretty much every metric you could possibly choose.