I agree, this is the way to go. Cost will vary state to state, but I have done this in texas and for me and my wife, major medical cost like $200 a month or so. When going to the doctor, we would pay cash and the doctors cash price can vary. We found a walk in clinic for those times when you are just sick and need medicine and it was like $60 the first visit and only $45 for every other visit. (Stinks because I was already paying a $30 co-pay before!) Our regular family doctor cost about $70 and my wifes "girls's doctor" (nudge nudge, knowwhatImean) was like $100 per visit, but hey, he is a specialist and takes care of important stuff!
We really did not go to the doctor much, like maybe 3 times a year, but we wanted to have the extra coverage to cover any surgery or a car wreck or whatever.
Bad part is NO MATERNITY was covered at all, so we would have to pay cash if my wife got preggo. Called around to hospitals and it would cost about $8k to have a baby.
Add it all up and even having a kid every year on cash is cheaper than corporate style insurance for the self/un employed.
Don't stress and keep in mind that while insurance companies and hospitals may be soulless cash sucking machines, most doctors are people and hate the system to.
One company I used to work for would give us like $150 a month if we did not take their insurance, and to tell the truth, I would take the cash and do that now if my current employer would let me.