What are my options for renewing a Non-Imm O visa in Thailand based on marriage?

If you don't meet the proof of funds requirements for either of those two yearly extension options you COULD get a 60 day visit thai family extension without showing proof of funds :) That would give you the time you need to get your money "seasoned" in the bank account the appropriate time so you could apply for a year extension

Hopefully, as Tod has said, you have already banked the money! Whatever you are doing, it's not applying for a new visa.

For retirement extension you show 800K baht banked in a thai bank account in your name only for 2 months before you apply for the year extension AND you need to keep the money IN the account for 3 months after you get the extension and after that the balance can never go below 400K baht for the rest of the year

BUT

For marriage to a thai extension you show 400K baht banked in a thai bank account in your name only for 2 months before you apply for the year extension.

Go to the immigration office BEFORE you need the extension and get the hand out that lists the exact requirements for the visa extension you're going to apply for so you can compile the documents, the photos, the copies etc.

you don't need health insurance because you didn't buy an O-A Long stay visa from a thai consulate in your country before you came here