Individual health plans can be more affordable for small businesses than having a group plan. It depends on the type of coverage selected (benefits such as deductible, etc.). In some cases, a business check can be used to pay for the premium even if it's a group plan.

Dependent coverage is often much cheaper on an individual health plan or even HSA health plan depending on the health conditions (if any). Dependent coverage tends to run high on small group plans.

There are a lot of affordable ways to keep your coverage costs manageable. Products available include Individual Health, HSA high deductible health plans, Short Term Health and Medicare Supplements or other Medicare Products.

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