Our startup is going through this same process, please remember that this will very GREATLY depending on your location. As the only one to cover, an individual

Our startup is going through this same process, please remember that this will very GREATLY depending on your location. As the only one to cover, an individual plan is really your best option, look at Health insurance companies in your state to determine which plan covers your doctors. If you are in good health, a High Deductible HMO is likely going to be your cheapest option. Once you bring on employee's you can contact health care companies to negotiate a SMB plan price for your employees to pick from. You are not obligated to offer health care benefits until you hit 50 employee's. It's likely that it would be better for both you, the company, and the employee's, to offer subsidies for health care plans, rather then offering health care. SMB's under 20 employee's really get NO coverage, and this way the employee's can capitalize on the subsidies from the government and the employer instead of having to pick one or the other.