My other option is switching to a "catastrophic" plan which would only cost $185 per month (for my age range) but have a $3,000 deductible. Plans like this are great if you just want something in case of ER visits or unexpected but expensive injuries or illnesses (and you don't mind paying $3,000 of it). I thought I might switch to that this year, but I might wait until the rates go up again in 4 years.
It's just sad that my health insurance is half as much as my rent now. I sure hope we end up with a Democrat in office next time around so that the cost of health care will become an important national issue again. There are too many low income people without health insurance and there are too many other people who want to be self employed or start businesses who probably can't do so without giving up health insurance.