Am I looking in the wrong place for coverage?

Ok, so basic details:

I currently have employer-provided insurance that is ~$250/month for me + spouse, $2,000 deductible, HDHP with HSA. Spouse does not have insurance at her job.

I’m 30, she’s 26. Combined income $85k-95k. We live in Ohio.

I’m researching the cost of leaving my job and operating a small business. I wouldn’t make the move until the business can provide reasonable income (aka, substantially similar to our current income). Part of my research includes health insurance.

The question:

Am I crazy for thinking that what is being offered is absurd? I’ve checked healthcare.gov, several private marketplaces, and got quotes from providers. The plans range from $400/month – $900/month, almost all of them HMOs (current plan is PPO and I like it), and the deductibles are $18,000 and up.

I have not seen a single plan with a deductible below $18,000 and annual premiums below $5,000. Not only that, but these are all catasrophic or bronze plans and most of them don’t cover pregnancy or mental health, despite supposedly being required to. Oh, and I am a member of a professional association and even those group policies still have the same costs.

What the hell is wrong with Ohio? What am I doing wrong or missing that the best insurance for my family doesn’t even do anything unless expenses are over $20k? I had an emergency a couple years ago that led to multiple ER visits and an emergency surgery and the total bill for that was still only $11,000 without insurance. I could literally afford to get into a car wreck and pay the bills out of pocket and still save money over having the cheapest plan available. It makes no sense.

Please, someone tell me that I’m crazy or looking in the wrong place. The idea that this is considered anywhere near acceptable or legal blows my mind.