I have one employee plus myself. I can’t afford a third in this economy. Discount plans cover some routine care, which is a nice to have. What I need is catastropic.
That is all you need-2 for a group medical plan. A group health company cannot decline you for coverage like a individual health carrier can. They can charge higher rates but you might be surprised. I would suggest a high deductible plan but a plan that covers R/X that is not subject to the deductible.