How do you know when it's the right time to leave your full-time job for your own business?
As far as benefits go, you should look into a benefits package from the company's current provider, or contact your local chamber of commerce. Membership in a local chamber usually gives you access to the chamber's provider plans, which are usually discounted to members. Or go online and see what new plans are available to make your jump
to what sounds like a good opportunity better for you and your family.
All the best.