If you are looking at getting a health insurance for small business for you as a couple that will ride on your husband being a businessman, it will actually depend on the need of the person or persons that will be covered by the plan and not on the type of business he or she is into. Incorporation may have its advantages on ta payments but it does not have any effect on the premiums with health insurance for small businesses. As you may be looking for a health insurance for small business, what may be applicable to you and your partner is a private health insurance instead. There are some companies where you pay $600 which already covers the two of you. However, this policy is without the maternity benefits and has a low/no deductible plan. If you choose to have maternity costs covered, some companies require another $300 payment. Then again, there is a one-year waiting period before you can use the maternity benefits of your health insurance. It may be interesting to note that pregnancy may lose you and your partner’s eligibility in applying for a health insurance until after giving birth. Costco Insurance may have a plan package for two but it may still have to go through United Healthcare. Like with any other policies, health insurance for small business may vary depending on the state you are in.