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Let them get health insurance through one of the exchanges and then reimburse them for all or portion of it. Tell them to just submit the invoice.

This works until you reach a larger team and have legal requirements to meet. But if you are small with 4 or 5 people or really even 15 this works pretty well.

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This is exactly what my company does. My company provides a monthly allowance via Zane Health: http://www.zanebenefits.com/ . The employees can choose any plan they want and pay for it. Submit the invoices to the website and get a reimbursement as part of your paycheck up to the allowance. Works out pretty well.

How would you deal with non-US residents?

Wouldn't you be paying for health insurance with after-tax dollars that way? Would the employees be taxed on the re-imbursements also?

My employer does this.

The answer is yes. It is after-tax dollars. But the employee can get it back on their tax-return at the end of the year.

Yep, correct. It really does seem to work out well, and for the company it lets them make sure employees are taken care of but minimizes distractions of managing health insurance for now.

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