I'm sorry, but no sympathy from me either. I would LOVE to have insurance coverage like the OP is talking about.
We have paid our own health insurance most of our 37 years of married life. The ONLY time we didn't pay much was the 3 years DH worked part-time for Wal-Mart. We had great coverage then. $20 co-pay at the doctor's office was the best thing. We only paid $25/every 2 weeks (taken out of his check).
Currently our health insurance costs us $750/month for the two of us. We have no co-pay so any doctor visits come 100% out of our pocket. We have a high deductible, $2500/each of us I think, and we pay 20% of hospital stays.
They just raised our rate by about $50/month, because we both turned 55 this year.
Yeah, I would be happy paying the insurance that OP is talking about.