I understand the plight, but medical services are always going to be expensive. Med services are very hi tech, new drugs cost 100 million or more to bring to market, physicians train for 10 or 11 years, and then there is a large cut that goes to the lawyers. Hitech medical services are never going to be cheap. Why pay for one more layer, by adding health insurance? Save the premium costs and put your money in an account for medical expenses— just a suggestion. My dad never had health insurance in his life and he did just fine. Why pay for an added service, insurance, when you can save money by direct pay? Take the lawyers out of all of it and everything drops by 20%.
The only problem is that I would like catastrophic care - I have a doctor - Direct Primary Care - I pay $100 a month and get anything he can do in his office for free - he has negotiated inexpensive rates for MRI, blood work etc.
If - and I hope this never happens - I get something bad - I would like to be able to fight it and continue on - and savings will not cover that amount.