Q: As a business owner would it be cheaper for everyone if I stopped offering a plan and gave everyone a raise that would permit them to buy it on their own?

Not necessarily. The premium you currently pay for employees is now a tax deduction for the company. Premiums that the employees pay on your company plan are generally done on a pre-tax basis, which saves them at least 25%. If they are given a raise to make up the lack of a company health plan, they will be taxed on the additional income and that will likely hurt their chance of a subsidy. Also, any plan purchased through the Marketplace will be paid with after-tax dollars, thereby increasing the overall cost of the plan.