all major medicals are going up,the most reasonably priced is a world insurance product called freedomcare.the industry is turning to hsa plans,people with incomes above 50k are in better position to take advantage of tax considerations with this type of plan.be wary of companies that want to”administer”your savings part of your plan.Medical surgical expense plans are an option,they don’t cover mental emotional,and limit out-patient.

You should strongly consider an HSA or Health Savings Account. It combines a High Deductible Health Plan with a Savings Account. The cash in the savings account is used to pay for your medical expenses up to your deductible then the insuance policy kicks in.
Routine and preventative care is covered at first dollar so that doesn’t eat into your cash account.
Best yet, the money goes in tax advantaged, grows tax free and can be spent tax free so long as you use it on medical expenses (until your 65 then you can use it on anything tax free….it becomes just another retirement account). If you want to use it on something other than medical expenses, you just pay the tax on it.
Best yet, YOU own the account and can take it to whatever employer you want or keep it yourself.

If you don’t want an HSA, I would consider an Individual Market health plan. Assurant Health is a good company in the IM market. They have very innovative products.