There are medical bill sharing plans that are not health insurance, cost far less, but are limited, like Liberty Health Share. They are not for everyone, but are worth looking at. You still need a savings plan for the deductible, but ours is only $500 per incident, which can be mostly done away with if you can negotiate at least a 40 percent discount with the provider (an incentive providedpby our plan, not hard if you’re classified as self pay, which you are with these plans). There are all sorts of these plans out there. They don’t pay drug costs usually, so you have to save for that, too. That would be a deal breaker for some.
