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What about creating your own HSA? (health savings account)
The $$ you're putting toward an insurer could be a better benefit for you (and family) than the waste of an insurance comp. I'm with a large corp and am forced into the plan. Personally? I'd choose a diff route since I'm in the same boat as you. Good luck!
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Creating Your Health Savings Account - HSA for America
Once you have your HSA-qualified health insurance plan in place, you will want to establish your health savings account. Here are the steps to create one.
https://hsaforamerica.com/create-hsa-info/
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Mine is attached to a "card" I take it to the bank and withdraw funds all the time for prescriptions of XRP
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