Also check with your chamber of commerce, if you are a member it can sometimes get you a lower rate.
Or if you're a member of a trade organization sometimes you can get decent insurance through them.
Our company changed plans after Obamacare was passed so we were going to get nailed by BCBS and each person was going to have to have their insurance premium set based off their age. This is great for young people but older people have to pay $900+ a month for a single policy.
We got in with our local trade organization that we've been a member with for 20+ years. We were able to be grandfathered in this way and have a single set premium that was the same for all employees. This made it possible to insure our older employees.
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