Get insurance out of health care altogether, except for catastrophic, unanticipated injuries. After all, insurance is about managing risk. You wouldn’t have your car insurance pay for routine oil changes, or your homeowners insurance pay for a new coat of exterior paint on your house. The very idea is absurd from an economics perspective, cost-prohibitive, and goes against the very definition and purpose of insurance. Having one’s insurance pay for a routine tooth cleaning or simple physical checkup makes no more sense than having insurance pay for a new tires or a home termite inspection.
General Insurance Coverage:
Join a health care sharing ministry. These are voluntary, charitable membership organizations that agree to share medical bills among the membership. Samaritan Ministries, Christian Healthcare Ministries, and Christian Care Ministry. They operate entirely outside of Obamacare’s regulations, and typically offer benefits for about half the cost of similar health insurance. Members are also exempt from having to pay the tax for being uninsured.
Critical Illness Coverage:
Acts like an insurance policy if you have kidney failure, heart attack, stroke, etc. I'd get the highest benefit amount possible.https://www.ehealthinsurance.com/critical-illness-insurance
You should max out your medical and uninsured/under-insured driver coverage amounts
under your auto insurance policy, which can pay medical bills if you are hurt in a car accident.
Contact local doctors and see if they offer services for a monthly fee. In my area, $60 gets 24/7 access.