Small business health coverage is a mess. Group plans and SHOP offer...

https://ace-wiki.win/index.php/Fully_Insured_vs._Level_Funded:_Which_Group_Plan_Actually_Makes_Sense_for_Your_Small_Business%3F

Small business health coverage is a mess. Group plans and SHOP offer traditional stability but can be pricey. If you want flexibility, ICHRA allows you to give employees a tax-free stipend to pick their own plans