You need to look into Health Savings Accounts (HSAs), and you need to do it now.
In over 30 years in the business, I have yet to hear a roofing contractor tell me how thrilled he is over his company health insurance plan. Year-over-year cost increases coupled with regulations that seem designed to cut out small businesses have created more chronic pain for roofing contractors than any amount of insurance could ever cure.
You have an option today that may provide the relief you have been after for years. You need to look into Health Savings Accounts (HSAs), and you need to do it now. You should learn how they work, which insurers may provide them, and how to appropriately structure a plan for yourself and your firm.