One way to cut monthly premiums is to go for a high deductible--say, $2,000. Where do you come up with that kind of cash if disaster strikes? Set up a Medical Savings Account (MSA), which allows you to make tax-deductible contributions to fund this kitty that can be used only to pay medical bills. (Pull out money for other reasons before age 59 and a half, and you'll get hit with tax penalties.) If you don't tap into your MSA, the money rolls over for use the next year. There are more wrinkles--anything involving tax-advantaged contributions is guaranteed complex--so read the details here
Robert McGarvey admits he pays (perhaps a bit begrudgingly, but always on time) $200 a month for a health policy through a writers' group.