Call Vern at Altman Insurance in Olympia. If you are a generally healthy 20-40 something, you may qualify for a "catastrophic" health plan for under $60 a month. It's pretty no frills, but a low price to pay for not being in debt for the rest of your life if you fall off that mountain bike!!! And the good news is, unlike Basic Health, because its not high hassle managed care, most doctors' offices take it.
Then, with all the money you save, go find yourself an awesome family doctor at www.vantagephysicians.net!