One more thought. My family and I pay around $1800.00 a month for a high-deductible ($6500/13000) private (non-exchange) policy. That means that we have to shell out $28100.00 over the year before a single individual covered by the policy gets any significant monetary relief.
We have coverage galore, but cannot make use of it until we have spent nearly $30K out of pocket.
And we are the lucky ones because we can pay for it.
So what you could use to start is a HC savings account and a high deductible of around 50K so after a couple years your risk is around 20K.