1. DO NOT go without coverage.

2. Get a catastrophic health insurance policy ($5000 deductible) for $100 to $200 per month. (Mine is with United).

3. Pay cash for dental (unless someone knows about a great policy I'm unaware of)

4. Eat right, exercise, quit smoking, don't take drugs, wear your seatbelt, don't ride a motorcycle, and don't do anything stupid for thrills, so that...

5. You probably never have to use your policy.

6. Keep your policy paid up. This is a necessity, not a luxury.