Unless you have a chronic illness in your family, paying that premium is stupid. Cash discounts available at most places for care. That $2000 cat scan turned into $650 when I said no indurance and paying cash.
Stuff half of that premium in a untouchable account and keep stacking. After a 24-36 months, you have your own "insurance".
I did that for my family when my son was cured of cancer and nobody would sell us a policy because of that alone. Stop whining and do some math and take control of your situation.