> The more people you have the more you can negotiate. If you have a small group you cost are exponentially higher and the conditions covered significantly less.

I have not found this to be true. I run a small company in Florida. We have BlueCross BlueShield. Comparing notes with other employers, big and small, the size of the group does not appear to make a difference. What seems to matter more is the makeup of the group in terms of age, gender, and preexisting conditions.

There is a huge difference between buying individual insurance and qualifying as an employer group of two or more.