buy a catastrophic plan with high deductible, then buy an accident only plan, no deductible, with a limit that matches the cat.

your broken leg ER bill is paid, if you have complications, your cat plan picks up the rest.

Or, look into , I think its called "short term" health coverage. What we have, I'm 62 wife 61, we pay ~$700 per month (which is a ripoff) was under $400 until a certain president made insurance "affordable"