I'm an insurance broker and trust me your numbers are actually low compared to what I deal with on a daily basis. There are some work arounds, and some (not many) based insurance agents around like my self.
It's a struggle to even make money selling insurance right now, those same companies that have quadrupled their prices have lowered commission rates to 1-3% in a lot of cases.
Check Altrua health share and other STM (Short Term Medical) options. Depending on your state, you might be able to find better coverage that way.