With only 3 of us in the office, group health insurance has become very expensive and the rates seem to get higher with every passing year. I have heard of insurance groups where you can join that lumps you in with other small businesses so that you get better rates. Has anyone used this type of insurance before and care to comment one way or the other?
I have been under the impression that these types of groups cannot happen because the med. insurance lobbyists have always successfully blocked any legislation allowing such groups. You can get any other type of group insurance (e.g. business, ltd, life) through trade associations, etc. but not medical. Maybe I am totally misinformed, and would also love to hear what others say!