Can you get insurance as a business?
I have insurance and it's very cheap, it just doesn't cover very much. There isn't any special insurance for business owners. A few more years (or if I manage to achieve a relationship with a Czech, sooner than that) and I'll be able to get a different type of residence and normal insurance (though it will be more expensive, of course).
That does sound quite bad. Don't take this the wrong way, but why did you move here in the first place?
A few things here are awful, mostly the bureaucracy and everything related to it. Everything else is amazing and I'm happier here than I've ever been in my life. I have a great life, two great jobs that I'm awesome at and pay pretty well, an amazing group of friends, and I live in a culture where I'm not constantly attacked or punished for being different. Also, I like the educational system better here, I enjoy being able to have a beer in the park without going to prison, I love that I can have political discussions with people I don't agree with without fearing for my safety, and almost no one here has frigging guns. There's a park outside my window and a bigger park across the street, and I can walk across the city alone at 3 am without feeling like I'm in any danger. Also, I'm learning Czech sign language (I'm already fluent after 8 months of learning because apparently I'm a sign language prodigy, woo!) and it's already my preferred language and the deaf community here feels more like home than any other community I've ever been a part of (even the Prague hippies!). I could go on and on, but hopefully you get the idea: going to the doctor here may suck for now, but that doesn't outweigh all the awesome and happy.
Also, beer.