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I wish you great luck. I have a somewhat similar experience. I have been self employed for years. My wife left her job. We paid Cobra premiums of approximately$1,800 a month for the full 18 months allowable by law. No company that can legally sell me insurance would offer me a policy at any price, but I make too much to qualify for any state or federal program. I simply don?t go to the doctor because at this point anything they find will become a pre-existing condition that won?t get covered if I ever do get insurance so what?s the point? Like you said and contrary what most people believe they won?t give you free treatment at your local hospital emergency room. If you walk in because you?re in pain, they do x-rays and discover you have cancer they will send you home with some pain pills and tell you to make an appointment with a specialist that you will have to make payment arrangements with before you get treatment.
If anything catastrophic ever happens to me I have come to the same conclusion the only thing to do is simply shut down the business, hand my house/cars over to the bank and move in with a relative so I qualify for Medicaid. Nut ball conservatives tell me they don?t want to pay for my health insurance what they don?t realize is because I don?t have any they all ready are and if I get sick not only will they pay my health insurance they will also have to pay to support me and my family because that is the existing system we have.
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