On health insurance, i would suggest you understand the demographics of your team really well and curate a policy that works well for that group. I have personally taken care of aspects like: Family with Parental / inlaws cover Dig deeper into gaps in the policy and ensure you underwrite things that gave folks a bad experience in the past. I have taken steps to add complications arising from a voluntary termination of pregnancy into the insurance which isn't covered by many. Also there is no ideal method, again benefits is about intent. Always keep your intent as enough coverage that benefits employees and families. Include wellness programs that also covers mental health and not just physical health. Allow top ups as there will be a cohort of folks who feel the coverage isn't enough for the age or size of thier family.