if you have non-poverty-level income, you can buy a policy for about $300-500 a month through most state exchanges
if you have poverty-level income (no stock dividends, no capital gains, havent worked w2 job in years), then you can qualify for Medicaid
another option is to open a 1-2 employee LLC or LLP and buy small group health insurance. typically these plans are about $5-7k a year and have somewhat reasonable deductibles and somewhat reasonable out of pocket maxes. at the very least, a $100,000 appendix surgery will only cost you $7,000 max, and then you are covered for all other medical expenses for the rest of the year
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