Wow that is seriously unaffordable,
Really have not paid much attention to this, but 12K a year sounds excessive.

I know a lot of Biz owners who get by on $35.00 a month catastrophic type insurance.

Basically you only go in if something catastrophic happens otherwise you pay out of pocket.
Hopefully that option will still be available, otherwise I guess the option is to opt out until you know something catastrophic happens.