Seems like you'd need to have a separate catastrophic plan. Of course Obamacare has made those kinds of plans illegal. It might be time to look for a "religious exemption" and get a plan set up under that.
What about prescription drugs though? I sure haven't been offered any discounts when I have to buy a prescription with cash because my insurance doesn't cover it.
A lot of pharmacies have a list of drugs they sell for cheap to address this issue. Wal-Mart has a pretty long list of ones that are $4/month or $10/quarter, Costco also has a reduced-price list. Also, ALWAYS shop around for prescriptions. I’ve seen variations of as high as 3:1, and it’s not like the pharmacies always place in the same order for cost. One that was the cheapest on one item might be very high on another. It’s very strange, but you save a lot if you do the work every time.
“What about prescription drugs though? I sure haven’t been offered any discounts when I have to buy a prescription with cash because my insurance doesn’t cover it.”
One word: costco. Check what your scrip costs there and you’ll be stunned. And you don’t have to be a member to use their pharmacy.