Phew, that is expensive
Do you intend staying with the garda scheme or do you want to switch to either VHI, Laya or Irish Life Health?
You don't mention what type of cover you presently have. Over the years have not seen much discussion on AAM about the Garda Medical Aid scheme but there are some previous threads
here but they are quite dated. Perhaps you might be able to check over on boards.ie and see if there is anything useful there.
If you know the type of cover you want you could look at the
www.hia.ie website and see if you can find similar cover.
Not sure if they would be able to help but
www.totalhealthcover do provide a fee based service for advice. This time of year they can be quite busy so probably need to contact them soon. Lots of renewals coming up.
A call to VHI, Laya and Irish Life Health might be worthwhile too in light of the premium that you are facing into.