"In fact, we're clearly conspiring..."

"With so many choices, you might wonder if you should enroll in your employer plan or shop with Covered California instead. In most cases, your employer offer is your best bet. In fact, if your employer offer meets the federal affordability and minimum value standards, you will not qualify for financial help to lower the cost of a Covered California health plan."

https://www.coveredca.com/learning-center/employer-sponsored-coverage/