Michael,

>Does anyone have some links to a to-do list for starting a small business? Incorporation? Insurance?

Go to www.nase.com (National Association for the Self Employed), look in the Reference section, and check out some answers under "ShopTalk".

I'd highly recommend joining NASE, which gives you access to an 800 number for asking just the kind of questions you posed here. Their Health Insurance plans are also very good.