This is called gambling. Health insurance isn't so expensive for no reason. You save a modest amount until you fall off a ladder and lose your house. Buy the c

This is called gambling. Health insurance isn't so expensive for no reason. You save a modest amount until you fall off a ladder and lose your house. Buy the cheapest plan with an HSA. You essentially get an above-the-line deduction of all medical expenses even OTC things, you cap your expenses, and you get insurance-negotiated rates.