My insurance plan from work is both expensive and doesn’t cover nearly enough. Can I get another one?

Hi, thanks for any and all help.

So I work fulltime, salary, and make a little under $57k in Michigan. I have a spouse who is a fulltime student and works part time, makes ~$11k a year. Our insurance is the one i get through work, and it is a ‘PPO Best Buy HSA’ type with $4k in network family coverage and $8k out of pocket maximum, and the way it works, I guess, is that i have to hit deductible *first* and then the actual insurance starts to kick in. I’ve had this insurance since February, and I see a lot of doctors either monthly, every quarter, or weekly, as well as take medication that amounts to ~$800 or more a month depending on coverage.

However, I’ve only hit $3700 on this damn deductible, and its taking ~$500 a month away on my paycheck for my family. I have medical, dental, and vision, employee life insurance and long term disability at work as well. Essentially, I am chronically ill, have permanent diagnoses that require constant management, and medications that are expensive and yet I need them to function, but it seems my insurance is just not made for someone who is held together by duct tape.

My questions are:

Can I drop health insurance if it just doesn’t cover anything I need?

Is it possible to just drop health insurance at a job and then keep vision and dental?

I am constantly overwhelmed by everything insurance related, and the last time I had to get insurance on my own it was a several week long affair, of which i messed up a LOT of stuff. Is there a person I can go to to help with searching for the best plan for me and my family?

Do I have to get medicaid? My spouse and I make ~$68k a year, so I feel like we both don’t qualify for anything, but we’re always treading water when it comes to finances?

Is it too late to switch my health insurance? I’m so nervous about it all.