Their are some good answers here.  But i particularly agree with dwp_ins but his or her link isn't working.  I would be very careful with "alternative health plans" the fact is hospitals and doctors have large fees and these fees and the lack of real individual health insurance is the primary cause of bankruptcy.  If you need to keep your premium low then go with a high deductible plan with copays for your doctor visits and try to work with a broker who can actually explain the plans they are quoting to you, I suggest an affordable health insurance quote could be found here, http://www.nationalinsurancebrokers.com