Christian healthcare sharers do precisely this. By restricting services and the population addressed (your pastor or priest must sign off on your application), everything's extremely affordable. In particular, as we don't drink, do drugs, use contraceptives etc. we don't pay for coverage of them or their side effects. Obesity's also less of an issue.

There's also the trick of telling the hospital you'll pay "in cash" and getting a 10x lower bill from the hospital, then getting that reimbursed/covered by your private or alternative insurance.

So your pastor or priest conveniently rejects you if you have a chronic illness.

So are you still allowed real wine at communion then? A bottle of beer after working on your car all day? I know some christians who preach "100% dry", others are more relaxed. Some are fine with contraceptives (including many Pentecostals, which is how I was raised), quite a few overweight people, etc. And they're just as christian as you are.

It sounds like you're going for the "unlikely to need it" plans, which go broke when you actually get sick..

I would think using contraceptives is not in the same category as drugs or liquor, though.