Many people believe that group health plans like Obamacare can only be started during the annual open enrollment, however that is not the case employee health insurance plans can be started anytime of the year. Also, if you have a plan all ready in place for your employees you can switch to a new plan with a new insurance company at any time, no need to wait until the current plan renews. Also, you only need two employees to start a plan and the rates are the same as they would be for a larger group.