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If you're in Canada, there are two options: - Some insurance companies will offer employee benefits coverage to companies with as few as 2 employees. - You can join an association plan (there are many out there), where you're part of a larger pool of many small companies and the claims & premiums...

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Without more information it's not easy to answer your question, but I'll give it a fighting try :) The health insurance industry is a commodity industry, they sell the same things at around the same prices and every little competitive edge is something they hang on to dearly. It's not surprising...

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