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Yes, medical premiums are deductible with other medical expenses but the "over 10% of your AGI" limitation and without mortgage interest and property taxes deduction you will most likely not be able to itemize your deductions anyway. Your best option is HSA. Unlike medical expenses restricted deduction, you can reduce your AGI by HSA contributions and the expenses paid using HSA funds will not be deductible (which you would not be able to utilize anyway).
I would suggest to stick with the employer's plan and maximize your HSA deductions.
Unless you generate some of the income through small business or partnership/scorp/corporation, it is very difficult to deduct medical premiums you pay yourself. Statistically, very little percentage of taxpayers can actually deduct medical expenses on their itemized deductions.
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