At 51, I just dropped my full service Health insurance, it was raised again to $1800 a month
so I bailed out. Major Medical is all I want now, we will handle all the "small stuff" costs. What we did find out was that here in the States you can negotiate the fees doctors and hospitals charge.(my family is full of doctors) Last week I needed an MRI for my knee (dislocated on my stand up jet ski) the price quoted was $1400 bucks or higher. After calling around to a few imaging centers letting them know we were cash customers we got a price of $550.
Once out this country I think the cash cost may not be all that unreasonable. This is a problem we all are gonna face at some point in time.