Insurance would be mostly a regional issue. I would recommend talking to a local chamber of commerce or checking to see if the state has a low cost insurance program for small businesses. I know that NYS runs a special program for small businesses, which can be seen here:
Thanks. I will check out what my state has to offer. I also found out just a few minutes ago that there is a company that sells insurance in our state for the self-employed, and I may help my 2 employers pay for it through them. The company is called Mega Health & Life.