Sorry to break the bad news to you -- repealing Obamacare will not lower your insurance rates. I am basically at the same costs -- I agree that it's fucked up.
Let me propose something;
That if you elect to fund and
maintain a HSA deposit of $10K you can buy a policy at a lower premium with a $10K major medical deductible. Five visits to PCP and specialty doctors should be included for a $30 co-pay and prescription deductibles should be $1K. At least you would get some annual recurring benefit for the premiums you pay.
I don't know what do do about Medicaid and the unpaid part of the indigent patient loses hospitals incur (the federal government pays some of these costs with taxpayer dollars). These indigent patient costs increase hospital prices to the public and insurers both. So, it is a lose-lose situation.
Curbside pick-up is not a viable option in these cases ...
