If you're in CA, it makes sense to just pay your employees a little more cash and let them get an individual policy. Honestly, that was always the best even before the ACA. And that way you never have to worry about losing it if you change jobs.

My individual policy when I first started was really cheap—$171/month (with a reasonably high deductible, $5k I think). It's now $350—something. So yeah, it's doubled. But it covers more things under the ACA and honestly the price seems fair to me. Just pay employees an extra $5k a year and then they have non-revocable, transferable insurance.

I honestly wish employer health insurance would go away. Like, make it illegal and just have everyone get an individual policy. Yes, companies would have to pay employees an extra $5-10k cash, but I feel like tax incentives could be created on both sides to make this possible and beneficial for everyone.