Q:

Any ideas?

A: Okay, first of all, this website is “Your ER Doc” not “Your Insurance Agent,” and certainly not “Your Congressman” but I’ll take a stab at it. You have to have insurance in case something catastrophic happens, so I favor a relatively inexpensive PPO plan with a very high deductible. This will deal with large bills that could result from hospitalizations, surgeries, etc. Under ordinary circumstances however, most healthy people will not get close to their deductible. This means that you now have to avoid getting sick or hurt as much as possible to save costs. It is absolutely imperative that you take full responsibility for your health. First read my top 10 list, “How to Stay out of the ER,” and also follow the following rules below.
Here’s how many cigarettes you can smoke per day: 0.
Here’s how many alcoholic beverages you can have per day: 1.
Here’s your new diet plan (which by the way I completely stole): Eat food, not too much, mostly plants.
Here’s your list of high impact sports you can participate in: Chess.
Here’s how much faster than the speed limit you may drive: 0.
Here’s how much exercise you need: 30 minutes aerobic every other day.

I’m sorry this is restrictive my friend, but at least it’s cheap.