Thank you to everyone for responding to my posts before. Has anyone ever bought group health insurance for their small business? Mamsi wants me to fill out a Census form w/ salary amounts and then an individual risk assessment. Some websites will give quotes for health insurance with just the birth dates. In the past I thought I read in a VA insurance board or regulation site, that group insurance cannot deny coverage if an employee has a pre-existing condition. I can't find the site anymore. In the long run does anyone have suggestions of group health insurance versus individual or family insurance? All kids are already over 18 for the person that I'm trying to help out. Any suggestions? Don't insurance companies check medical history and records with the doctors anyways? This would be the 1st time that my friend trying to buy health insurance.