Would you be eligible for an HSA? Don't know the details about self-employment. That would have tax advantages.

Yes. We all dislike the OBBB, yet there is one good thing - it allows us finally to have an HSA account with our high-deductible Bronze plan. Previously our plan's deductible was *too high* to qualify for an HSA. Go figure.

Others gave good arguments against self-funding. Short anecdote: my former business partner wasn't sick but was worried about health insurance. He decided to take a job with one of our clients, a government entity. Some years later he developed kidney, then lung cancer, and early-retired. His current medication costs over $30k/month. The few hours a month he still works for me, when he feels up to it, isn't going to cover that.

A catastrophic plan might be an option if it gives us the provider discounts we get now.
Example: lab work: billing $360, insurance paid $0 (deductible not met), we paid $73 (insurance rate for the service).

Moving to the UK? Not an option. Kid 1 is an M1 (med school). Kid 2 sophomore. Kid 3 will be a freshman next year. Mrs.C. doesn't like the food! Or the climate.