You are going to have to shop around. One thing to look at is
coverage for more catastrophic cases instead of covering Dr. Visits.
That is a major medical plan witha large deductable (eg $1,000 to
$2,500 or even $5,000 or more) can save you a lot of money over a $300
dductable. if you save the difference in premiums it can be
signifigant. I remember Met life decades ago had a major medical with
a $1,000 deductable per illness (but the deductable want for 5 years
for that illness) and 80/20 % with a total out of pocket of $3,500.
It was quite reasonable and especially suited for large bills (eg
major medical) and not for standard Dr. visits. Equitable (Axa now)
had a major medical witha $10,000 deductable that was very
I know those deductables sound like a lot of money, but would you
rather have some insurance to cover large medical bills or no
You might see if the state offers anything. Maybe they offer lower
income people people coverage that is very reasonable based upon
ability to pay. (NY has a lot of liberal programs, they may have
something for you.)
I wish you the best of luck.