I recently graduated from college and have no Medical Insurance. I am wondering which providers U recomend and what kind of rates u are paying. I am interested in Health/Dental/Vison for myself right know. I currently have independents and sub contractors working for us. If need be, I could put one or two on the plan, for a reduced rate. I do plan to impelment a employee benfit program later next year. I also concerned with the tax deductability of these expenses. I heard something about self-funding with a bond that is tax deductable. Your advice and comments would be Appreaciated.