there was this idea that the bigger your business, the more 'bargaining' power you had to lower rates. this is completely made up bullshit.

even the bigger business have shit health insurance. its because it costs them money, and money is more important than humans.

back in the day you would just 'get' insurance as part of your package.... then they started forcing everyone to pay for the privilege.. and some how these businesses have the worst bargaining that exists compared to almost any non-profit, government outfit for the same coverage. not sure how that freakin works.

the very little guys are just fucked in the ass with zero bargaining ability.

Small business owner here. We get a small business insurance broker to help us find the right plan. This year we were hit with a 15% premium increase - crazy!

Generally speaking, you'd using a company like Zenefits that exists in the HR-as-a-service space. There's probably others, that's just one that I've used before.