Honestly, health care co-ops (basically a perpetual GoFundMe) are starting to look better all the time. I almost considered it a few years ago when I had really crap insurance. The scary part is that they’re not really regulated and if they just decide not to pay because _____ you really have no recourse unless you know a lawyer willing to work for free (because you pretty much wouldn’t join a co-op if you had money for health insurance).