Like everyone else get insurance....even if its the highest deductible.
One thing to look at is a health savings account. It allows you to put money I to an interest building account tax free in order to pay for medical bills. However you are not required to fund it at all. Think I pay 87 per month as a healthy non smoking 34 year old male.
I dont fund mine at the time and they will pay some of my medical bills. I can then deduct any medical expenses I come out of pocket for.