The existence of insurance through can impact the valuation of employer fringe benefits in a number of situations.

For instance, self-employed workers or business owners may be involved in lawsuits involving the loss of premium payments.  The marketplace provides a means to compare the different insurance options available to the self employed or business owner involved in the lawsuit.  Prior to, it was relatively cumbersome to gather the necessary information.  Now comparisons of premiums, coverages, and standard deductions can be made for multiple policies.