There is a difference between a co-pay situation when working and wanting the same thing while self-employed. A co-pay arrangement for workers is actually considered to be a benefit, and is not insurance. The benefit to the employee of course is that the co-pay is a perk for working at that particular company.
What happens when the employee leaves the company is that they are now responsible for getting their own health insurance. Since they have been used to the co-pay benefit, they expect that is what they will get when they buy their own health insurance. It’s not quite that simple. That kind of insurance is available, however the deductible is extremely high, and fairly prohibitive for just one person. Ask your health insurance agent for more information to make an informed personal choice.