Are non-employer sponsored plans outrageously expensive?

Varies. As you know, there are many plans and they are difficult to compare. Talk to your hr person or an insurance agent in our area that handles a variety of insurers. They can steer you in the right direction based on your age and current health. I would stick with the larger insurers in your area, they usually have the better plans with a larger list of providers in their network. Dr l.