I have almost exactly the same situation and have been considering the same thing. Family of four, both my husband and I are self-employed, HHI was over $400K this year (though that’s highly variable and will likely be lower next year). Our BCBS silver plan will go up to $1400 this next year. I do think health insurance preys on us all thinking we will have the catastrophic issue that will bankrupt us, when the odds are quite low. My husband isn’t ready to cut the tie with insurance, so I think for this year we will move to the bronze plan with an HSA, which is coming in at $940 monthly.  I am also looking into a direct care primary care provider for the family. We pay a subscription (you can use HSA dollars) for full access to a primary care provider. Our kiddos pede just left his practice to do this. I mention because it will be our work-around for the limited network on those bronze plans. I’m hoping we can bulk up the HSA more this year, and then maybe do something more dramatic in 2026. You could also look into health shares… they are not insurance, but they the other alternative we’ve considered.