[cd34]

Actually, I think you could have a GreenguyandJim affinity group that would be covered by a plan. Similar to many of the organization plans out there, you wouldn't require all people to be in one state. I think the National Chamber of Commerce and a few of the Industry groups do this. The issue here is each state is still maintained as a group, and would require individual pricing -- at least when I checked it about two years ago and I think each state requires 2 people in a group.

Then you have to figure out which plan is right for everyone. With Aetna & BCBS, you can't mix and match PPO & HMO and Catastrophic in the same group. So, since I have 3 employees, and the wife unit wants PPO, everyone gets PPO until I have enough people that I can have two groups. Florida also mandates that an employer pays 50% of the plan coverage for any employee. I don't think affinity groups have that same restriction.

It is a cool concept.