Solo owner
You're an individual buyer with the self-employed deduction. Price both markets.
You plus one
A spouse on payroll or one W-2 employee opens guaranteed-issue small-group coverage. Often the answer when one person has a condition.
3–50 employees
Level-funded and traditional group plans, deductible to the business. Under 50 there's no mandate to offer coverage. Michigan has a deep self-employed and skilled-trades workforce, and Blue Cross Blue Shield of Michigan dominates the marketplace — which is why people who want a different network look at private PPOs.