And finally, there are some more small things you can do to save cash
. Forming a bigger group, either by joining an insurance pool or meshing with another small business group, can significantly reduce premiums. Other business owners can also recommend a provider. Paying higher co-pays for doctors visits and higher deductibles will also help cut costs. Also, you will want to re-evaluate your plan annually or bi-annually to make sure you are getting the best small business health insurance coverage at the best price.