For info on group insurance, check with your local Small Business Administration in your state. They have a list on insruance brokers (who sell insurance for more than 1 company). These people can give you a number of options. I recently took a course offered by the SBA & they told us that you only need 2 people to be considered a group for medical insurance. This might be an Illinois law, or it might be a national law. Check with the SBA in your area. Good luck!