For years, the approach to purchasing health insurance for many shop owners has been to see what several companies offered, discuss it with the employees, chose the one that seemed to offer the most for the lowest cost, then figure out how to pay for it. Maybe it’s time to try something different. Spend some time figuring out what the shop can afford for this expense. Set a non budget killing maximum. Then ask potential insurers to put together the best package they can. Discuss the options with the staff and select the one that works best for your shop. What works for your budget may not be the most deluxe plan that everyone desires, but remember that a shop that is closed because expenses got too far out of hand supplies health insurance to no one.