We dealt with the same issue last year when I was self employed and ended up on one of the lower cost bronze plans. Family of five, non-smoker, wife and I are 35, no health risks. If you do the math the higher level plans aren't justified for the benefits you receive. It is still rape, pure and simple. We paid close to $700/mo for a piss poor excuse for health insurance, but there were no other options. Progress, right? 
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‘07 Mazda RX8
Past: 911T, 911SC, Carrera, 951s, 955, 996s, 987s, 986s, 997s, BMW 5x, C36, C63, XJR, S8, Maserati Coupe, GT500, etc
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