Something to add to Christina's post
Do not be "afraid" of the startup cost and the monthly fee.
Every business has those costs. With Ameriplan your benefits are included in that costs.
I find it amazing that people are willing to spend hundreds a month on benefits at a job but they seem "afraid" to pay the monthly fee that includes benefits and allows them to have their own business.
Even if it takes a month or two to break even, who cares. You are STILL getting something for your investment. This is better than any of the other businesses out there that want you to pay a monthly fee and then they don't give you anything for it.
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