I found my 'best deal' through AARP.
For a little over $1000 per month I could get a policy with a fairly low deductible and copays. For around $275 I could get a policy with a $5000 deductible. In either version I was eligible for the lower prices the insurance company negotiates with vendors. So if the doc charges $165 and the insurance company negotiated price is $105, I pay the $105 if I have not satisfied the deductible. I think of my insurance as catastrophic coverage. Over the course of a year the premiums with the one policy would be around $12,000 and with the other about $3300. For the nearly $9000 difference I can pay a whole lot of doctor visits and, of course, if/when I reached $5000 the insurance would be covering anyway.
Am I happy to be out of pocket $3300 each year for insurance that is basically useless? Of course not. It is to protect me from disaster just as my auto insurance and home owner insurance are to protect me from disaster.