You can get a catastrophic policy for yourself only for about $75 (US) per month. A catastrophic policy is one that does not start paying until you reach a very high amount that you owe, perhaps $5,000 or $10,000. These are not for small things but will cover you if you were in say a bad car wreck. You are correct about things being complicated. I have been fighting for months to get a bill cleared up. I can’t get the doctor and the insurance company to talk to each other. It is just a fight we all have to endure.