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Unless your employer contributes to your family on those plans, it is usually rather pricy. The marketplace is a safe option but it's usually expensive.
Just make sure you avoid multiplans, short terms, and health shares.
I am happy to help you navigate your options.
Subject Expert
If just wife, adding to yours shouldn’t be too expensive. If family, it goes up exponentially.
If you file taxes separately then marketplace might be really good for a freelancer
There's a bunch of stipulations that determine the subsidies and a lot of people don't understand so they end up paying them back at the end of the year.
It was pretty straightforward for me,shouldn’t be expensive but my employer did ask for documents for validation