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. Arizona's marketplace is dominated by HMO plans tied to one hospital system, so people who want to keep doctors across Phoenix and Tucson — or who travel — are the ones who end up on a PPO.