A re-entry permit does not pauze your 3 months validity of stay. It only keeps it active when leaving. To extend your stay with 1 year you have to be back within the validity period.
Health insurance prices very much depend on many individual factors. What i pay is irrelevant. I might be younger or older. I use max or no deductables. I am healthy or pre existing conditions. Etc etc etc.
Doing a borderbounce a few times is no option. People get questioned already doing 1 bounce. 2 bounche is very doubtfull. You probably will be denied. Don"'t forget you have a history of longstay. Not take a risk. Get it over with. Use the
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0B on the bank (if you really have it. If its your own)