I'm currently on a small business HMO plan through Blue Cross/Blue Shield. I'm in Massachusetts, though, so I can't necessarily recommend it if you live elsewhere (insurance here is compulsory, rates are partially regulated, etc). The one advantage of being on a small business plan here is that you're covered the day your first check clears. In contrast, individual plans generally have a 6 to 8 month waiting period during which you pay premiums but receive no coverage.