Health/Medical Insurance for Piano Techs?

[Richard Oliver Snelson]

I have a 55 lady (smoker/my wife's sister) who wishes to learn the piano
tuning and repair business. I have checked on getting health insurance
for her and got a large wakeup. So for it looks like $550 to $700 a
month for basic coverage. 

What are you folks doing, that must provide your own health insurance?
I have a wife that teaches school and is covered there. I'm over 65 and
have coverage. I had no idea that the costs were so high! How do folks
manage this. This is a real deterrent to someone wanting to go into
business for themselves. 
Richard Snelson
Oliver Piano Service