You've got more options than you realize for health plans. (I guessed on your age and ZIP code). And most preventive care has no charge (per section 2713 of the ACA).
Hell, for 196/mo you can get a Kaiser plan that's not a million miles away from the one I had through work when I was in California, with office visits and urgent care at $40 a visit before the deductible. Shop around more.