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I can not in good conscience purchase a plan from Covered California. I am in the same boat with the doubling premiums. I am really small though, so I can get it for me and the few employees and it works out okay because the tax benefit and the expense are sort of a wash. I get it through a group deal that they do for doctors. They group similar employers together, have them pay a nominal membership fee to be part of the group, which is waived if you meet certain easily met criteria. My insurance guy turned me on to it.
In your case, I would buy a minimalist plan and hit the HSA hard with the premiums dollars you are not spending. I sort of have a bit of an advantage if I decide to go that way, because I can just buy medical supplies wholesale. My brother had some stomach virus a few years ago. He popped over to Mom's house, and I swung buy with IV start kits, tubing and a few liters of fluids. Mom, anesthesiologist, ran a few bags of fluid and he was right as rain.
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She was the kindest person I ever met
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