[Jims5543]

I kept my employees involved when I shopped and signed up for an insurance plan. We have 10 employees here.

I also had them shop their own rates outside of a group plan. We tried the insurance thing for about 2 years. I found that my rates after the first 6 months steadily climbed every 1/4 to the point that it was getting rediculas.

I ended up giving all my employees a raise to the tune of $320 more a month and let them get their own policy. It was cheaper for me as a business owner to to that.

I have looked into employee leasing a couple of times now. As much as I hate the concept it keeps looking like the way to go, especially when you factor in the rising costs of health and work comp. insurance.

The plan you are offering to your employees sound like a great plan. For a small company its pretty awesome.