Private practice insurance benefits

Anyone using/offering open market insurance for their employees? Sharing costs/ bumping hourly wages? How creative are you in your offering the insurance benefit to employees? or do you just not offer insurance benefit to staff? Pondering 2 offers: 1 for x hourly rate & i cover 40% of ins. premium.
option 2- $3 more /hour but i cover total premium amount.
Any feedback would be appreciated.
This is the part of private practice that makes me nervous...
thanks in advance
:ninja: