Don't forget to apply for the Insurance Partnership to get assistance in paying your & your employees monthly premiums. Tax advantages here, too, if yu have employees. www.4ip.org Also, know the popular practice of paying your spouse-employee in health insurance benefits/premium vs. dollars. Excellent tax advantage and less expensive than buying a plan as as an individual since you usually can't participate in your employee health plan if you are the business owner. Ask your CPA how. Plus there's always the state organized but privater run health insurance plans that are supposed to be more cost effective as the monthly premium is based on household income. www.mahealthconnector.org