My 2 cents. Unless you are funded or are expanding in staff over the next year by a significant amount I'd avoid commercial plans until after 15 employees or you have funding and are planning an expansion. Instead, have everyone pick up personal/family plans and then reimburse them for those plans at some rate.
Commercial plans are not easy to setup, take time to maintain and have a lot of variability based on size, demographics of your team etc. So when you are small it is cheaper and easier to use the personal insurance market in the U.S. and just do reimbursements.
Other option is to look at third party companies that do benefits management. There are a number of those around where essentially you and your employees become employees of that company as well for the purposes of benefits management. The costs are not insignificant so you want to make sure you factor this in as they generally manage the payroll and all benefits at that point to make sure taxes etc are managed properly.
