Medical insurance is usually an issue for most O/O's. The product offerings are usually limited and the prices monumental. A lot of products out there are just flat bad. Most are indemnity programs that are not real full coverage medical plans.
After a lot of shopping around and becoming dissapointed with the options, I happened upon the National Association for the Self Employed.
www.nase.org I got a plan with full coverage to 5 million lifetime cost protection, dental and vision for about $693 a month for me, 51 and a smoker, and my wife who has continuing thyroid issues. The closest other options were a BCBS plan thru Farm Bureau that would have been about $500 higher.
You guys and gals might want to look at NASE package. This is what trucking groups like OOIDA should have done for its members years ago, but still hasn't. The membership rates are $40 a month, but you get unlimited accounting and tax advice from CPA's, legal advise from attorneys, unlimited business advise, and access to some pretty darn good insurance coverage and rates. Their insurance rates are really good because they have close ties with AARP and other groups that give them great leverage on negotiating insurance rates for their members.
I know I might sound like a salesman for the NASE here, but I got such a good package and service with them, that I just wanted to share the info. After all, isn't that really the meaning of "we got to stick together" is all about?