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According to MSN Health, between 2000 and 2005, the average annual premium for small business health insurance that covers families increased from $6,772 to $10,728. And as employer based premiums continue to go up, consumers everywhere are searching for affordable individual medical coverage.

The average annual cost for single-person coverage increased from $2,655 to $3,991 during the same period, a jump that is also costing the consumer. But employers are still paying more; this 48% overall jump in the last 5 years has made it very difficult for them to offer small business health insurance without taking significant financial losses.

But as state by state healthcare plans consider forcing employers to cover employees, many say that this will eat into the free market, and significantly impact the American economy.

Thankfully there are some more affordable options for those employers who do want to offer small business health insurance. Many agencies offer tailor-made plans designed to suit a variety of different budgets. It's important to be aware of what you the employer will be required to pay, and what the employee must pay, as well as types of coverage. Flexibility helps as well, since some people will want the option to pay more, or less, based on the kind of coverage they need.

By choosing a plan that is designed for your business, your employees, and your budget it will be easier to insure your employees without damaging your bottom line.