A big part of making a small business succeed is reducing costs. Another big part is keeping your employees happy and providing for them well so that they give you maximum productivity. You can do both of these things by offering them low cost employee health insurance. If you haven't implemented a health plan yet, or are looking to save money on the one you currently have, you should go out and get small business health quotes from several different insurance companies that offer them. In order to get the lowest quotes, try doing the following things.
1) Combine your small business with another one or a business networking group. Simply put, the more people that are insured under any employee plan, the lower the costs will be to you. There are many business insurance brokers out there who specialize in putting these combinations together and many of them don't charge a thing to do it.
2) Do what you can to keep your employees healthy. A healthy employee is not only a more productive one, there's also much less of a chance that the employee will visit the doctor. The less often your employees use their health insurance and go to the doctor or to the hospital, the lower your quotes will be for coverage.
3) Raise the co-pay amount. Don't raise it too high, just high enough that your rates are lowered significantly and just low enough that your employees don't mind the increase too much. You could be very surprised at how much you could save by just raising the co-pay amount by $10.