I have used Medishare since Obamacare cancelled my catastrophic health insurance plan back in the day. I'm a small business owner with no option for corporate health care. Don't forget, there is a large class of Americans who have never had the luxury of health insurance paid for by the corporation. It's not THAT big a deal :)
Sometimes, it takes thinking outside the box. Let me tell you what I mean...
1. By probability, the most likely traumatic injury situation any of us likely to face is a car/work accident with serious injuries. In that case, you will be immediately taken to the hospital and provided life-saving treatment without request for your insurance. Medical bill sharing should help in that situation. If it does not then the next best protection is significant property and casualty insurance with an umbrella policy. That insures a large part of the risk of unexpected medical bills.
2. Chronic health conditions are often caused by lifestyle choices. The best way to avoid type two diabetes, hypertension and many other common chronic illnesses is to control your diet and physical health. Say what you want, but that is a fact.
3. Cancer or organ failure of some sort is, generally, a slow moving situation that would allow for planning. I have saved tens of thousands of dollars in premiums over 7+ years of insuring a healthy family of five with medical bill sharing. I know I can take $50,000 cash to any major metropolitan city in Latin America (Mexico City, for example) and receive the best health care available to over a billion people who live in those countries. You can dismiss this if you want, but I have lived in Mexico and know for a fact that intelligent, caring doctors with advanced technology do, in fact, exist in their country of 190+ million people.
4. You can negotiate cash service for cancer and other treatments in America as well. $100,000 cash goes a long way. It is absolutely possible to save $100,000 in reduced premiums in five years for families (2k per month for 60 months is over 100k). I'm way past five years of ditching expensive health insurance.
5. Medical bill sharing does cover cancer issues and there is no reason to assume they will not except fear. I don't generally like to give fear that much power. As has been discussed, your health insurance can try to screw you as well.
6. Medical debt incurred in an emergency situation is highly unlikely to be collected at the billed rate. Hiring an attorney to negotiate reductions on a large medical bill could cost a few thousand dollars, block the hospital from collecting for years and eventually lead to 50%+ reductions on any bills. If necessary, you can simply stonewall a hospital's collection efforts - people do it all the time. For the record, the health insurance "discounts" are often pathetic back scratching between the health insurer and the medical provider that do no justice to the consumer. I've seen it personally, repeatedly. Negotiating with a competent attorney is likely to get bigger reductions than the health insurance provider accepts for a fraction of the price.
7. There are ways to protect assets even if a medical provider became very aggressive - which I have not seen in my county courthouse. It involves a bankruptcy attorney, moving to a state with a homestead exemption for one year and planning.
8. When it comes to anyone trying to get to the assets of a financially independent person, remember something my contracts professor told me in my first year of law school: When you have the money, you have the advantage. It is their problem to get money from you and nothing says you have to make it easy. I sue insurance companies all the time. Trust me, they don't make it easy and there is an army of attorneys who are very experienced in asset protection.