Whatever your strategy is, you should be speaking with an insurance agent who has strong HCR knowledge. They are a great source for free consultation to ensure your strategy is in line with the current market and can be successful.
If your strategy is to have your employees finding insurance on the open market (or exchange), having an agent work with them will show that the company cares and isn’t throwing them to the wolves.
If you’re using stipends, then your agent can help your employee understand the program and work within its limits. Working closely with an agent who understands your goals and strategy will keep it on track for success.