I was looking at a co-op alternative for 2018 - Our family premium would have been about $650/month unsubsidized, and our max out-of-pocket would have been $2500. Pregnancy is a pre-existing condition though, and co-ops are still allowed to exclude for that, so it wasn't a viable choice for this year.

Regardless, I was alluding to the fact that I have no control over my health insurance costs, unlike every other kind of insurance I purchase.