There are lots of sites out there that will give you insurance quotes for multiple carriers at the same time. I would recommend using one of them because they do the leg work for you. It's a free service. I would start there.
Jonathan was making a good point lowering your costs with a high deductible. Just like care insurance - the higher deductible means lower monthly payments.
I would like to point out an additional way to access the health tax credit: combining a limited medical benefits program with a high deductible HMO. Ordinarily, the limited medical benefits program would not qualify for the credit, but wrapped with a HMO it very well might.
It is a pretty neat idea: using the health tax credit to essentially fund a high deductible.
I looked for a policy for my wife and I. Many of the companies I contacted were in the process of redoing their policies to meet the new Obama Care law. And, the word affordable didn’t exist. The cheapest policy I found offered in my state would cost me $700 per month premium, $5,000 per year deductible and high co-pays for a major medical plan with vision and dental.
I did find a company though that offered a wellness plan for $255 per month. The difference between the two plans though is huge. The wellness plan does not cover any major medical expenses. These would include heart attack, cancer, diabetes, and surgeries of any type. All the plan covered was medications, lab test, X-rays and doctor office visits.
Have you tried exploring health insurance options through a PEO?
A professional employer organization is a company that handles the HR and non mission critical hr related functions of a business. They have a unique relationship with their clients and are able to "pool" together their clients under one large group program creating economies of scale that give small (5-25ees) companies access to fortune 500 benefits that then would have not had access to before.
With that said, work comp is usually cheaper and the PEO's large group benefit plan will often be cheaper than what you may get on your own and also costs will be controlled better on an annual basis with the size of the group.
I represent many PEO's across the nation and can help if you would like to explore this as a solutions to not only help with providing benefits but payroll, HR, benefit administration, work comp insurance etc...
to learn more about the industry visit our associations website as napeo.org
If you need any help from me, just kindly send me a message.