No. of Recommendations: 4
My own personal experience is that the people who have used their employer-based coverage at all of the firms I've worked at have generally been quite pleased.

We had insurance through my wife's employer for 8 years. It covered the birth of three kids, several adult issues and the usual kid stuff. We were pleased with it. That was 10 years ago, though. We bought our own insurance since.

We were fairly happy with our private PPO plan. A few billing disputes, but not bad in retrospect. Large choice of providers. Reasonable cost.

Our ACA-compliant HMO plans have been awful. Billing disputes constantly. Shockingly narrow network. We could not "keep our plan" or "keep our doctor". The PPO plans were discontinued, and our insurer actually pulled out of our market. We basically now have Medicaid-style insurance, except that it costs $16K/year with a $12K deductible.
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