[BlazingArizona]

Cash for small medical expenses plus a high-deductible catastrophic policy is a great idea, except that insurance companies will no longer sell that kind of policy to individuals because the group business is an easier target. This will only change if Congress were to shift the medical insurance deduction form employer to employee. And if you have any kind of pre-existing condition, your only choice is to crawl off and die.

[hometoroost]

Depending on where you live you can get one. MSAs and HSAs can work for individuals as well.