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.