I go through Blue Cross independently and have high deductible insurance for my children. This costs me $65/month for my 10-year-old son and $80/month for my 16-year-old daughter. It covers 4 basic doctor visits per year (thanks to Obamacare; this did not used to be the case) and nothing else until I've spent $5k out of pocket. I keep $5k aside just in case something catastrophic happens. It sounds crazy - why pay for insurance that isn't going to cover anything unless something disastrous happens?
1. I save more than $5k per year in premiums which covers my $5k out of pocket. To date I have not spent more than a few grand out of pocket on actual healthcare expenses in a single year.
2. By simply being in the BCBS network I am given their negotiated rates if I stay in-network for our healthcare needs. For example, my son broke his arm and had to go to the hospital to have it reset. I got a bill for over $3k. I sent it to my insurance company, they adjusted the bill to their negotiated rates, and then sent it back to me saying they weren't paying any of it since I had not met my deductible. The new total I had to pay out of pocket? $800.
3. My family is very healthy and there are no preexisting conditions or monthly medication to be concerned with, so I literally only need catastrophic coverage. I can afford to pay out of pocket for annual exams, dental cleanings, etc... especially considering how low the negotiated rates are!
I don't know what state you live in, or what other special conditions you may be dealing with, but here is where I found my coverage:
http://www.ehealthinsurance.com/