Ok.... So here's my conundrum... I work with a large agency doing professional photography, as well as portrait photography on the side... I currently work around 60-80 hours a week and it's very taxing... i currently get my insurance and benefits from the agency i'm with. I was approached by another individual to start our own agency... potentially a lot more money, freedom, and get to do what i like to do when I want to do it, and no more 60-80 hours a week working... sounds great right? Well while all the logistics is fairly reasonable and we are ironing everything out, the one thing that could be a big monkey wrench is healthcare, especially with the new obamacare rules and regs. so... we were looking at options and from what we can see from the "marketplace" the insurances are outrageous in premiums, no where near what we are paying now, but what can we do. We saw that as a benefit of the PPA, professional photographers of america, they have access to a broker who does insurance. Has anyone used them? Are they cheaper than other options? Although i shoot professionally, i've never seen a need or a desire to join the PPA as i find that it's mostly pomp and circumstance and gladhanding and such. I find selling a picture more rewarding than winning an award from some competition judged by people i dont know using rules that may be questionable with agendas up the wazoo... BUT... if their insurance is worth the cost of yearly membership and such, maybe it could be an option. Have any of you guys tried this out? I would be interested in hearing your opinions. Thanks