How a 38-Person Marketplace Startup Got Hit by a $220K Health Bill in Year Three

https://www.last-bookmarks.win/that-moment-changed-everything-small-business-health-insurance-mistakes-that-cost-thousands

Why our marketplace-based plan stopped working as the team grew We started like a lot of early-stage companies: no HR department, no benefits bureaucracy, a $200 monthly stipend for health insurance, and an optimistic belief that employees