When I bought health insurance for my son, it was $133 per month. That was a little high, and I was not expecting to use it except for unforeseen emergencies.
Now, in the age of Obamacare, that same insurance is almost $500 per month. It still is only good for unforeseen emergencies; it has *never* paid a single medical cost for my son. It is clear that I am subsidizing medical care for other people, without having any benefit whatsover for my son, whom it ostensibly covers.
I think that just putting the $500 per month into a bank account would be better insurance against an unexpected medical bill.
If you belong to any church, you should look into a religious insurance alternative.
They are excellent choices.