I'm in the employee benefits field up here in Canada. While we're different, I support small businesses and they have the same concerns regarding costs as you would, albeit at a much smaller scale.
Take this knowledge with a grain of salt, given the systems, but one way you could control costs is by looking into a Healthcare Spending Account (HSA) - I believe the US equivalent would be a Health Reimbursement Account (HRA).
This allows you to set a max contribution limit, but it automatically caps your claims to the money in the account. If you paired that with high deductible catastrophic insurance, you may come out ahead. Wiki has a good set of info: http://en.wikipedia.org/wiki/Health_Reimbursement_Arrangemen...
Other than that, I think you are SOL in terms of paying the big bucks. Health Coverage is one area where the US is simply lacking in my opinion, compared to the rest of the world.
Good luck to you. You should definitely contact a local broker or two and have them walk you through the different options. There is a lot of stuff out there that is simply too crazy to understand and is best handled by a pro.
Take this knowledge with a grain of salt, given the systems, but one way you could control costs is by looking into a Healthcare Spending Account (HSA) - I believe the US equivalent would be a Health Reimbursement Account (HRA).
This allows you to set a max contribution limit, but it automatically caps your claims to the money in the account. If you paired that with high deductible catastrophic insurance, you may come out ahead. Wiki has a good set of info: http://en.wikipedia.org/wiki/Health_Reimbursement_Arrangemen...
Other than that, I think you are SOL in terms of paying the big bucks. Health Coverage is one area where the US is simply lacking in my opinion, compared to the rest of the world.
Good luck to you. You should definitely contact a local broker or two and have them walk you through the different options. There is a lot of stuff out there that is simply too crazy to understand and is best handled by a pro.