I’m thinking of joining a Christian health sharing thing instead of insurance. But then I wouldn’t get the “negotiated” rate that my insurance company gets them down to. A moot point though - my insurance company won’t cover me as an individual anymore after being with them for 15+ years.
A health care co-op might also get a negotiated rate. It sounds like your insurance company is exiting the individual market in your area.
I have been considering the same thing and not to stir trouble, the users and the agencies of Christian cost sharing can chime in with all the corrections they want, but some expect you to negotiate a rate they will share cost on and some have already negotiated costs.
My experience with negotiating is that it is better done before the fact than after. Some people will fall back on the fact that the service has already been provided and it is up to the provider to get their money since they made the mistake of “trusting” you to pay. It does not work that way. If you have money or assets they have a legal claim against you. Not having a certain pathway to pay the bill is not an acceptable process to me.