I talk to small business owners on a regular basis. And one of the main questions I get is "What do I do if I can't afford health insurance for my employees?". And the answer is simple. Just do something. You don't have to offer a big old fancy Health Insurance Program. With all the bells and whistles.
There are some Affordable Health Solutions that won't break the bank. Also consider offering some other benefits that don't require such as a compliance or contribution standing like voluntary benefits or retirement programs such as 401k. I'm Niki Trentacosta, President of The Tanna Group., and I help small businesses, startups and entrepreneurs create an attractive Employee Benefits Program to help attract and retain the top talent for their needs.
I look forward to brainstorming some solutions with you to help attract and retain the top talent for your business. Until we do speak, I hope that you stay happy, stay healthy. And of course, be sure to wash your hands.