Just keep enough money in the bank to cover a half day in the hospital and keep an insurance application and a check for the first premium in your glove compartment. If anything happens and you or if you get violently ill and haven't yet lost consciousness, just sign and date the app and have Federal Express pick it up and deliver it with your check the next day.
I was also thinking some enterprising person might come up with a sort of low-priced “contingent” insurance that only pays out on the first claim (or claims within a week of the first claim, or something like that) to tide you over until you can buy normal health insurance. If you could draft it in such a way as to avoid the definition of health insurance under the act, you might be able to tap a pretty big niche market.
The truth is, even if the individual mandate isn’t knocked out by the courts, millions of young, healthy people will be dropping their insurance. Even once the penalty reaches its cap of $750 plus cost of living adjustments, that will be less than half of what I’m paying for health insurance now.