$800 a month for health insurance?!? :-O that just made my Canadian jaw go slack!!! Pardon my naivitee ...
Maybe the only way to beat it is to get around it somehow - like by investigating 'alternative' medicine (herbal remedies etc.) practicing healthier lifestyles AND boycotting those monster drug companies.
Even though health care is mostly 'free' in Canada, I haven't been to a doctor in about a dozen years. I've very little trust in modern 'health care'. In my experience, most doctors treat only the symptoms, not the CAUSES of illness - guaranteeing you'll be back again soon! And most drugs work like a sledgehammer - they have the desired effect (maybe!) PLUS many many undesirable ones. Then you need more drugs to combat the side-effects, and the chemical companies are laughing all the way to the bank...
I like what Louise Hay says in her book "You Can Heal Your Life" - that modern medicine deals with illness in one of two ways - MUTILATION (surgery) and POISONING (drugs). Not that these aren't necessary sometimes, but there ARE alternatives, and much we can do to avoid problems in the first place.