I don't know why I didn't think to mention this before, but there are HR outsourcing companies that will let you set up a co-employment agreement with them. Bas

I don't know why I didn't think to mention this before, but there are HR outsourcing companies that will let you set up a co-employment agreement with them. Basically, these companies get tens of thousands of small businesses together, and then bargain with insurance companies as a group. This way they can get much better rates than if you tried to buy individual insurance. So what you do is file your new business paperwork with the state, and then buy an HR contract with one of these companies. I think the largest one is Administaff, but my company recently switched from them to another one called TriNet, which is supposed to be cheaper.