This is the first year I have had to really utilize my healthcare coverage to its fullest due to a cancer diagnosis in my family. I work at a very small company

This is the first year I have had to really utilize my healthcare coverage to its fullest due to a cancer diagnosis in my family. I work at a very small company doing its best to provide a decent healthcare plan, but with our numbers we have very high monthly premiums plus a high out-of-pocket maximum for me to reach (which will now likely happen every year). I can't help but wonder if I am paying WAY more with my current healthcare plan than if I didn't have any insurance at all and negotiated the "uninsured" price per each service myself.