Two Ideas-
1. If you attend church, you might want to look into Christian Healthcare Sharing Ministry
VERY inexpensive rates for a good amount of coverage.
5K deductible or get 5K worth of discounts on your bills which is generally really easy.
So I consider this no deductible insurance.
$45 per person per month for up to 125K of coverage per incident.-
https://www.chministries.org/programs.aspx$25 per person per mo- for coverage beyond that 125K- adding 100K coverage for each year
until it caps out at one million dollars.- Brothers keeper
https://www.chministries.org/catastrophicbills.aspxer-------
$70 each
We've been members for 5 yrs so have 125K per incident + 500K = $625K coverage for one year
In 4 more years, coverage will be over 1 million and stay that way
Again, just $70 a month per person.
They are first or last payer, you're choice.
2. Check into Ambulance Helicopter insurance in the form of a yearly membership.
Our family membership is $65 a year/$5.41 month
The average life-flight helicopter flight is almost 100K right now.
This covers two life- flights per year, per person, for as many people as are in your family