As a young guy I think this is a fairly reasonable amount of risk to take on. Although this would be basically impossible if you had some sort of preexisting condition. Unless you live in Europe or somewhere with universal healthcare.
http://law.freeadvice.com/insurance_law/insurers_bad_faith/f...
High- vs. low- deductable isn't a charged issue. Only slightly oversimplified:
For high-deductable plans, you end up paying for doctor visits and basic meds out of pocket; for low-deductable insurance, you're basically paying a higher monthly fee to treat your medical care like a utility bill, and paying only copays for services. Most people have low-deductable plans (most company plans are low-deductable). Especially if you're young, low-deductable plans are kind of a rip-off. You can cut your payments in half with a high-deductable plan and use the difference to fund an HSA and thus not pay a huge premium for a health insurer to manage your money for you.
Short-term health insurance on the other hand is a bad idea. The reason you pay insurance is to manage the risk that something terrible will happen. Of the major medical events that can bankrupt you (in other words, "of the major medical events"), most can easily take several months to resolve. Not only does this expose you to huge fees when your insurance lapses and you (obviously) don't get re-insured, but you can also be assured of never getting private insurance again.
Don't buy short-term health insurance.
† Recission is an unrelated issue that affects all health insurance plans; no matter who you buy insurance from, if they can claim there was something you could have disclosed to them but didn't that would have allowed them to predict a medical event and no law prevents them from doing so, they will attempt to withdraw coverage.
Unless you live in Europe or somewhere
with universal healthcare.
The only plans I found were "free pills, and 10k max coverage" or something ridiculous like that. I need the opposite.
The site domain sounds like a spam dump, but their signup system is nice. You pick your policy plan online and then a representative calls you to confirm and interview you before signing you up and sending you the policy packet.
I was paying $198/month for my COBRA plan, but am now paying for $115/month for a high-deductible plan.