I am sure I am not the first one to have this question. We are planning to do Roth conversion up to 22%/24% tax bracket in FIRE which means our on paper income will be significant and no ACA subsidies for us. We are in good health without any chronic diseases. Are there any off-ACA plans which only covers major events like outpatient surgery and hospitalizations? We can afford to pay for office visits and regular drugs out of pocket. We just don't want to pay exuberant premium for ACA plan which we may not use enough services from.
I searched for "catastrophic health insurance" but that term is now used by ACA plans for people with hardship. A quick google search showed that there are hospitalization plans available but I also need coverage for any outpatient surgery in case a need arise. How do I find a health insurance for true catastrophic events like heart attack, stroke, cancer, major surgery, etc.? Are there any alternatives available for truly affordable health insurance plans for catastrophes?
I searched for "catastrophic health insurance" but that term is now used by ACA plans for people with hardship. A quick google search showed that there are hospitalization plans available but I also need coverage for any outpatient surgery in case a need arise. How do I find a health insurance for true catastrophic events like heart attack, stroke, cancer, major surgery, etc.? Are there any alternatives available for truly affordable health insurance plans for catastrophes?