Perhaps your one of many small business owners that doesn't have health insurance for yourself.  Have you considered shopping for an individual health insurance plan for yourself and your family?  Did you know that by obtaining insurance through a group plan for your company, you may receive better rates than through the individual market?

In addition, there are many tax incentives available to you and your employees when you participate in a group health insurance plan.  In most cases, businesses can deduct 100% of the premiums they pay on a qualifying group health plan and, by offering group health insurance as part of a total compensation package, they may be able to reduce payroll taxes.  Also, your employees can pay their portion of the monthly premiums with pre-tax dollars.  Make sure you take these incentives into account when determining the affordability of a health insurance plan for you and your employees.  Be sure to discuss any possible tax advantages with your accountant or tax professional.