We too have always been self-employed and right now we have BCBS and pay $1200 month with a $3500 ded and then pay 20% untill we reach $5000, then it kicks in 100%. The only good is that medical is deductable if you itemize and the premiums are deductible on the business side and we own a business. But, I have already paid out almost $10,000 this year in medical plus the premiums. OUCH