Alba,

What you're talkiing about is a serious problem. Have you looked into Medical savings accounts? They are working exceedingly well for me (self-employed) and a few other local small businesses I know. They are very affordable and the savings portion becomes a retirement account if unused.

If you do investigate this option don't let an insurance agent scam you with information about some kind of "medical savings account" that you pay into but have to use within a year's time. I'm talking about an actual medical savings account -- a dual account that is half high-deductable (I still have an 80/20 on some smaller expenditures), and half savings account -- again, a savings account that is your private property and a tax-defered retirement/medical account.