I basically can't get health isurance. I have no medical problems (if I did, I'd be willing to exclude them), but they won't even talk to me as an individual.
"but they won't even talk to me as an individual."
You can get health insurance through Blue Cross/Blue Shield
check it out
http://www.bluecross.com
My husband and I are self employed with two kids. We were with Kaiser Permanente's Individual plan but it increased to over $600 per month. Maybe a single person could get lower rates from them.
We are now with a MSA account. High deductible of $4000 but a premium of $300 and we keep what we don't spend in the HSA/MSA account. Real good tax advantages to the MSA/HSA's.