SO I immediately got online and researched options with my current provider, then called their health line and talked to someone. That person recommended a high deductible policy with MUCH lower payments: I have about a month to decide.
I then went online, check out the local HMO and applied for coverage there--that's almost half the price of these other quotes and won't have the honking huge deductible.
I'd like to be angry enough to apply this to my auto insurance premium (could be lower), cleaning the house more often, and reducing other insurance costs. Man, it feels good to get in front of a problem for a change.