What are the most cost effective California small business health plans?

Many find the most cost effective coverage type is the middle-of-the road $30 Copayment Plan or the $1500 Deductible Plan with HSA, which has the lowest out-of-pocket maximum. However, some small groups which have employees with serious medical needs choose the $5 Copayment Plan in order to lower their out-of-pocket expenses when visiting the doctor or staying in the hospital.