Small businesses have options, but they aren't one-size-fits-all. You can go...

https://smart-wiki.win/index.php/My_Employees_Are_in_Different_States_and_the_Network_Is_a_Mess:_A_Guide_for_Small_Business_Owners

Small businesses have options, but they aren't one-size-fits-all. You can go with traditional group plans, level-funded options, or the SHOP exchange. If you want more control, ICHRAs let you give employees a tax-free allowance to pick their own plans