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At the moment I go without.

It seems like the "best" compromise would be to buy catastrophic/atmospheric insurance, and otherwise mostly go without.

Have you looked at HMOs? It seems that would be contracting with the medical providers as partial insurance agents, rather than going through a pure middleman/gatekeeper insurance company.

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I haven't looked at HMOs, and I'm really skittish about the idea of going without. I'm currently thinking catastrophic + HSA. Though I'm in my mid-20s and generally in great shape, I've had a couple friends who had really serious medical problems, so I've got some availability bias working against me.

Newish US law: If you are under age 26, you may be able to get coverage through your parents.

I'm using this right now. It used to be 24, but Obamacare raised it to 26.

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