Health Insurance Connection

The dancing cat asked:


My husband is looking for a health insurance for his small company (3 employees). He said he heard about some “umbrella” type options like when several companies join under 1 group plan to get lower premiums for their employees. I need to know where to start looking and how to find any health insurance plans like that in Virginia.

laura d. asked:


I own a small retail store in CT and just received notice that my health insurance (for my family as well as my employees) went up by 23% (!). Now I’m trying to research online what the best options are in terms of affordability and coverage. I looked into HSA but am afraid that my employees might not be able to pay the high deductible out of pocket. I also wonder if getting individual health insurance (not via the business) would work if I pay a portion for each of my employees and if those tend to be less expensive. I pay 100% for my employees now and partly for their family members and would like to continue doing that but the prices are just getting ridiculous. If anyone has any suggestions I really appreciate it. Sadly, I am not internet savvy so shopping online has proven to be hard and insurance jargon just seems like a foreign language to me…
Thank you,