Looks like the 10k deductible plan for health alone through Freelancers is still $196/mo... better, but still seems a bit high, considering I've never been hospitalized.
You need to find the plans that aggressively discriminate based on health history. If they aren't hard for the average American to qualify for, you won't get the low rates.
Oh and I don't know your health and finances, but if you are healthy (and presumably hardly risk-averse), no health insurance beats a 10k deductible that costs you $2.4k a year.
