> Hmm. I've heard many small companies could not afford to provide health insurance for their employees after ACA passed ( I don't know the details of exactly t

> Hmm. I've heard many small companies could not afford to provide health insurance for their employees after ACA passed ( I don't know the details of exactly the causal chain there ). So they stop providing it and pushed people to use ACA which had ridiculous price hikes and also in some states companies withdrawing from the exchanges. This may have impacted some companies, but none of the ACA small-business provisions were phased in until your company has more than 50 full-time employees. If your startup gets to a point where they have 50 employees, you should probably spend the money to get them health care.