[Theodore Donald Kiravatsos]

I ain't reading all the posts here...sorry if this is duplicated...

What you can buy now is stuff called "High Deductible" health insurance. If you get the right plan, you would pay out of pocket your first $2000 of claims or so, per year, and then get everything covered after that. From an dollar EV standpoint, this will be your lowest premiums and still provide a lot of protection if something horrible happens.

Check with your insurer and make sure that they can rate you by your age. If not (age-specific rating did not used to be legal for BCBS in Michigan, just legal for EVERYONE ELSE), then there will be no way in hell you are paying proper rates for someone your age. This will most likely not apply where you live, but just thought I'd throw that out there.

You might even want to consider that someone may ask you to pee for them, I don't know much about individual insurance. Although I realize that that applies more to Life Insurance, health insurers are getting more and bigger pickles up their butts these days.