Thanks for the feedback Brocklee. I tinkered around on the healthcare.gov marketplace and it looks like they have an ultra high deductible plan (they call it a catastrophic plan). Its like $240/month with a $7300 deductible. This is probably what I need for the next year or two while I build my time. It will cost me a few thousand a year, but will save my bacon in the rare case that I encounter a super expensive medical bill.