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. Pennsylvania runs its own marketplace, Pennie, and hospital systems like UPMC and Jefferson are so central that many buyers choose a plan around their doctors — which is exactly what a PPO network question looks like.