Congratulations on starting your business. Since you have two people on the payroll, your company qualifies for small-group health insurance coverage. (Partners and employees working at least 30 hours per week count in that calculation, but independent contractors do not.) If the annual pay for you and your partner doesn't exceed $50,000 apiece for the next few years, you'll also likely qualify for the 35% tax credit for small business owners that provide medical benefits under the new health-care reform law.
A good independent broker will meet with you, go over your needs and options, and present you with quotes from several insurance providers. He or she will also help you get signed up for the coverage you choose and will remain a resource for you as long as you keep that coverage.
Ask any broker you meet with how their compensation will impact your cost. Independent brokers are typically paid by insurance companies, so there should be no cost to you. In the small-group marketplace, most brokers receive a fixed percentage based on the premium-per-month they sell. That means that the higher the premiums for coverage you buy, the better commission your broker will get.
Ranger Financial Services 214-206-8060
www.rangerfinancialservices.com http://www.fastcompany.com/blog/ranger-financialservices/ranger-financial-services-0
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