We need insurance insurance. Insurance against insurance companies that tell you they'll cover everything and then cover nothing.
It's called savings. Smart people put aside some cash each month to go toward emergency expenses like health. Have a different bank account if you need the discipline of not touching it.
It sounds good at a glance, but if you have the misfortune of developing some form of cancer you can easily be hit with medical bills for a million dollars or more. Medical expenses are the leading cause of bankruptcy in the USA. I love my country overall, there are many things I think we get right, but health care is not one of those things. It is one of just a few areas where I strongly disagree with the conservatives, I think at least catastrophic health care for all citizens is fundamental right that any developed society is obligated to handle. Employer provided health insurance is a massive job killing tax on corporations that discourages hiring, and even more so, discourages entrepreneurship because most people are better off sticking with a corporate job they hate. The kicker is WE ALREADY PAY for all the people that can't pay because hospital emergency rooms can't refuse care. It results in a lot of people that can't afford healthcare using emergency rooms which are the most expensive option, because it's the one that allows them to saddle the cost on everyone else. I don't want "free" healthcare, I know somebody has to pay for it, but get rid of all the middlemen, get rid of the for-profit insurance industry completely, then we all pay into a pool that covers everyone. It will result in billions of dollars saved.