your best bet is to work with an experience insurance agent in your area who can walk you through your various options. it sounds like you have a very small company so you might qualify for tax credits if you buy insurance through the aca shop exchange (shop stands for small business health options program). this would lower your costs. you can find someone in your area by searching nahu. org. you'll be able to plug in your state and look for an agent who can help you.
my wife and i and her business partner and her husband were using a small business health plan. that health plan is being cancelled dec. 7. we got a quote for a new plan but it is really expensive. can you help me find some alternative small business health plans for the four of us in new york city that are more affordable?