Paying for health care after financial indepence
My goal is to not need to work a traditional job, and I know how to get income from rentals and other investments, but I do not know how to address health insurance. For my whole life I have had employer-provided health insurance, first my parents' and then my own. Obviously, I can't continue using that. I have looked at the ACA/Obamacare marketplace in my state, and it has options but they're *expensive* and not that good. (For context, my employer pays 100% of the cost for a very nice insurance plan with $0 copay on many things and small copays on other things, and has good out of network coverage. Compare this to some as expensive as $1,000 per month and even those expensive options having large copays, limited networks, and they'll even refuse to cover some non-generic prescription drugs! What if I need that drug?). Some options like Kaiser Permanante that seem possibly good at not available in my area. I have heard about concierge doctors, but that seems risky due to a GP gating access to specialists, relying on that one person (and I'm in a small city so there being more than one is unlikely), it doesn't address catastrophically expensive conditions or accidents. I'd prefer to have something with a predictable locked-in monthly fee that just pays 100% of the cost of any health care that I need from any provider, but as far as I know this doesn't exist. What I have now is decently close to that, but I don't see any way to buy this on the private market. Are there any groups of people like us to get such things like employers do?