Generally, individual health plans are offered by PPOs. If you switch to a Health Maintenance Organization or HMO, you might have less number of doctors to choose from. They offer you the option to go to any doctor you wish, but HMOs usually charge more than 30% of the monthly premiums that PPOs generally have. Instead of switching to another one, try to review their health insurance plans for small businesses. This is under their Employee Elect portfolio. Their plans for small businesses provide employers the option to buy policies that offer employees with a set monthly premium. Your employees can also choose from more than 10 different health plans. If the plan they choose costs more than the set monthly premium, then you can deduct the remaining amount from the employee's salary. But if you really want to switch to another company, try to consult with independent agents in your area. They can provide you with several health policies, and eplain to you the differences among them. Since they know the market better, they can guide you in choosing the right plan for your business according to your situation and budget. The monthly premiums of the plans are the same, regardless of whether you inquire about health plans directly from the insurance company or the local agent.