One of the more terrifying realities about the prospect of starting your own business in the US is that you quickly learn you are on your own when it comes to finding affordable healthcare. You might even make enough that you don't qualify for any plan that doesn't cost <$30k a year, w/ high deductibles.

I know I've mentioned this before here, but it bears repeating because it came up in a conversation the other day where the small biz owner had no idea. Namely, that depending on where you live, you may qualify for a fairly inexpensive and decent healthcare plan for you and your family just by taking a class at a local university or community college. NB: It may only require a non-degree (non-credit) course. Anyway, something to investigate if you're looking for a way to reduce your healthcare costs.