Saw earlier discussion on health insurance costs. Here in Hawaii it is mandated that all employees working 20+ hours must be offered health insurance. With insurance costs running about $545.00/month for employee and spouse, was wondering what other companies are doing to keep costs down. I looked in HSA/MSA but was not applicable in Hawaii with its mandated health act. Has anyone used American National Life Insurance Company of Texas? It is affiliated with National Business Association. Experiences/Opinions-good or bad?