I’m not in that position, but I would just put the price of insurance or in the case of $3,800 maybe I’d do half into a high interest savings account or IRA or other investment. Unless you or a family member gets some terrible disease or steps on a land mine you tell the hospital you aren’t insured and the cost is magically the same as it would have been with insurance. Because of the Affordable Care Act if you get cancer or something you can just sign up for insurance after the fact.