[dennis in se pa]

Being self employed I pay directly out of my pocket close to $9k for health insurance. It is a $1500 deductible per person, and then a 20% copay up to $6K per person. Better coverage would cost me close to $15K per year. Business is slow now and a recent $3500 copay for a 2 day hospital stay (yes, it is ridiculous) is going to be a problem. Do I really have to pay it? Is it not really to make up for all those who pay nothing? Anyone with input, your suggestions are welcome.