What does your small startup do for health insurance?

When I was at a small startup (although a bit more than 10), they used TriNet, an 'employee leasing'/outsourced HR vendor.

More or less, your employees are also employees of the leasing firm, and that firm has access to employer paid health plans from well known vendor. I think you select from a large menu of options (including employer/employee split) to make a small menu for your employees. TriNet also did payroll, AFAIK. I'm sure there are other options, but as an employee the presented menu was very similar to what I saw at Facebook and Yahoo.

We use a Qualified Small Business HRA administered through PeopleKeep.

Basically your employees buy their own insurance plans and submit for reimbursement up to a specified dollar amount. They can also be reimbursed for other qualified medical expenses in addition to health insurance premiums.

Using this program the employees do not qualify for healthcare subsidy.

We tried to do a traditional group plan initially, but didn’t have enough employees in a single state to qualify.

https://www.healthcare.gov/small-businesses/learn-more/qsehr...

We use Rippling for all our HR needs right now. I highly recommend it - they have an entire “App” ecosystem which basically unlocks various features and services for a low cost. They do healthcare for companies your size for a very good price.

Gusto has good options for small teams both for insurance and 401k

Our local chamber of commerce will let you sign up to their pool if you have at least 2 full-time people on payroll. We didn't qualify, but heard from others the rates were better than the exchange (which is the fallback)

This won't be of much help to you but I moved to the UK specifically to start a business. Not having to worry about healthcare was nice.

I do have private health insurance now with Bupa but it's less than $100 per month.