In a past life, when I was a self-employed entrepreneur, I used to buy "catastrophic" insurance for my family.
It is cheap, but usually only good for six months at a whack. If something happens that is major, it pays for it. Otherwise, you pay for your doctors visits, prescriptions, etc.
I'd rather pay $200./month plus a few doctors visits per quarter than $700-800/month with them reimbursing me for $200. worth of doctor's visits or medicine after my decductible was met.
Good luck.