Ouch! That's ALOT! Have you considered just a catastrophic plan? Take the money you are spending now and save it in a special account for routine medical. We had to do that for a year. My ex was self employed and we just weren't making enough to carry regular coverage.

__________________
"No one believes more firmly than Comrade Napoleon that all animals are equal. He would be only too happy to let you make your decisions for yourselves. But sometimes you might make the wrong decisions, comrades, and then where should we be?"
- George Orwell Animal Farm