You can do what I did: Get yourself and your employees on individual plans. Each person does have to apply. Use the Kaiser Permanente Online Application, and it will take you about 10-15 minutes per person.

When I first started a business, we put all our employees on individual plans. I thought it was less hassle. As the business owner, I wanted to contribute to their health plan costs, so each month I gave them each a check for $92 written out to “Kaiser Permanente”. When they paid their bill, they included this check. For some of my employees, $92 covered their entire bill, but others had to add a second check to cover the difference. I deducted those checks ($92 X 6 employees = $552) as a business expense.