Bob Goldstein, a certified public accountant, knows his math — but he still couldn't believe the numbers. At his small accounting firm last year, health insurance for him, his wife and his handful of employees was costing $8,574 a month — or $102,888 for a full year of Highmark premiums. That was before the Affordable Care Act took full effect. Now, premiums for his employees are costing $1,841 a month, or a bit more than $22,000 a year. Annual savings? Nearly $81,000. "Anybody who has less than 50 people would be crazy not to look at" individual insurance plans for employees purchased through, or alongside, the new health insurance marketplace, the Point Breeze CPA said.