One of my close friends works at a national franchise and has health insurance, dental and optical. I've analyzed the number that he "saves" on both optical and dental as we were comparing our plans and coverage. The amount of money he pays back to his company to enroll in their plan doesn't balance out in his favor for both dental and optical. His teeth are incredibly bad, and his maximum out of pocket is an insanely large number, so much so that it doesn't make any sense for him to use their plan. He argues that being paid minimum wage is worth it because he gets access to optical and dental plans. He could be saving money by pursuing the plans on his own instead of through his company. I do not know anything about his health insurance situation with them, but he is healthy like me so I'd say it isn't relevant. My point is some people are too lazy and buy into the "don't work for x place because they don't offer benefits, it's better to make less per hour and get great benefits". Taking a higher hourly rate or salary can sometimes be a much better investment. However, Joe Schmoe isn't very intelligent so this point is largely escapes him.
Of course, there are going to be people that work for x company and use their benefits to great effect. The point I am trying to make is that there are a lot of people across the US that are not capable of rationalizing this balance. They do not understand that they are losing in the long run.
I have a silver plan through healthcare.gov and am relatively pleased with it. I do not have any health issues that warrant medications, but do have sleep apnea. It covers the cost of my equipment and supplies pretty well, but I still have to fork over $600+ on my own each year. I exercise 6-8 times per week, so I'm in pretty good shape. With that being said I did get a dental plan this year. It's a silver plan. I get my teeth cleaned twice per year, and of course have x-rays done once per year. This is the most common set of yearly procedures for Americans, and I weighed the cost/benefit ratio of all the plans and literally the only plan that made sense was the plan that covered only these two procedures at 100%. It costs EXACTLY 2 cleanings + 1 X-Ray, per year for the plan. It's a wash. It kind of covers other stuff, but then again I take very good care of my teeth, so I have 0 use for it.