Look into health sharing plans like Medishare or Zion. Zion caps your out of pocket expense to $1,000 per incident. Like you, I am in good health and needed gap coverage from age 57 to 65. These plans worked great for both me and my wife. They are essentially catastrophic plans, but they are not insurance. I have a friend whose spouse developed serious cancer while covered by Zion and they paid the entire bill which was hundreds of thousands. The premium is about $300/month per person. Don't rush it, but you'll be 65 before you know it!
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