If you're like many small business owners, your basic concerns about health care coverage are:

Price. For most small companies, paying for health care insurance is the #2 expense, after making payroll. So how health care premiums affect cash flow is a big concern. You need to know if your monthly expenses will be manageable. And you need to feel confident that your employees can afford their contribution as well.

Access. When your employees need medical care, it's important to them that they can receive it reasonably close to work or home and choose from a large network of providers. How happy employees are with a health plan has a lot to do with how convenient it is for them to use.

Quality. When it comes to selecting a health care plan, how do you measure quality? From credentialing to accreditation, there are a variety of ways. Ask the health care companies you're considering what their quality measurement standards are.

Service. You know that how administration and paperwork are handled affects how well your business runs. A key factor in choosing a managed care company or insurer is its ability to provide hassle-free service to you and your employees.

These are some of the top concerns expressed by small businesses trying to find the right health plan. Now, take a look at the various types of health plans available in the marketplace, and you'll start to see which plans are designed to address your company's needs.

Defining Types of Health Plans