Not keen on depositing money? Is it because you don't have the money? They have agents that will sort that out for you. However, depositing money is part of the rules that everyone has to follow. If you married a Thai and want to move to Thailand you need to understand the rules. No one wants to leave money in the bank but that is the way it is.
You can get insurance on a Non A retirement VISA, you are just not forced into insurance like the OA Visa. Need to do some more research how things work here.