I stopped paying my $$$ into the health insurance companies years ago, and banked the premiums instead. Best move I ever made, especially when I see friends trying to get their insurer to pay a claim. Plus, I get to pick my own doctors, and you'd be amazed at the discount you'll get for paying cash.
If you don't think you can do it, take a look at how much you spent for doctors and meds over the last 3 years, and then figure out how long it would have taken you to save that much by banking your premiums instead. Just an alternative, YMMV.