[simmons]

I have a high-deductible health plan (HDHP) from Anthem Blue Cross Blue Shield of Colorado, associated with a health savings account (HSA). It has worked well for me and I recommend that general route to other self-employed people, but man have the premiums shot up in the past few years. It was ~$80/month when I signed up (2005 or so, maybe). The same plan is now around $400/month.

For dental, I pay out of pocket but use a discount card (Vital Savings by Aetna). The discount card basically lets you pay the discounted rate that the insurance companies have negotiated with the dentist, which can be significantly lower.