Unless you have >10 employees that _will_ _participate_ in any group coverage plan, you only have one option: pay the employees a little extra to cover the prem

Unless you have >10 employees that _will_ _participate_ in any group coverage plan, you only have one option: pay the employees a little extra to cover the premiums on their own personal health insurance plans. The other benefit of each employee buying their own plan is that the health insurance is no longer tied to their employment with a specific company.