Question for Karl and others:

I'm taking the path not of getting rid of a house, but trying to fully pay off our house and land. We have enough to sustain ourselves in terms of food if we had to, but a long ways from going off-grid.

The larger immediate step I would love to take is removing myself from the health insurance system (as it is called) and paying cash for basic care. However, we are a family that needs catastrophic insurance. We have just enough in assets to be fully or half-wiped out in the event of a serious accident or disease (sure I'll shop if I can but if my kid is hit by a car while on a bicycle, I'm going to want immediate modern care).

Has anyone come up with an alternative way to get catastrophic-only outside of the ACA?