Table: Insurance in Cyberspace, Sunnyvale, Calif.

States Served: 20

Pluses: Most experienced player. Useful comparison tools.

Minuses: Offers more individual than small-biz choices., Darien, Ill.

States Served: 50

Pluses: Most choices. Quickest access to quotes.

Minuses: Poorly organized. No comparison tools., Los Angeles

States Served: 42

Pluses: Offers useful primer on health insurance issues.

Minuses: Unable to provide instant quotes inmost states., Atlanta

States Served: 8

Pluses: Superior customer service.

Minuses: New company has few choices. Unwieldy system for getting quotes.

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