A nice system for young people willing to take a risk is buy a catastrophic police ($40,000 deductible) for a third of the normal price of health insurance. Every month put another third of the usual price in a savings account for medical needs (regular account) and a third in your pocket.
In the event of cancer or something serious, you'll be covered and able to get into a hospital. An extra $40,000 in life insurance covers the excess for the family... Had a family member do this years ago.