A major medical, catastrophic coverage health insurance plan is a very smart way to get a higher level of protection to prevent from losing your home, assets and income. You pay for the smaller day-to-day medical expenses like doctor visits, co-pays etc., but should a major medical concern arise, you only pay the deductible. Once the deductible/maximum out of pocket has been met the catastrophic insurance covers all further covered expenses at 100%.
The mindset for Major Medical plans is why pre-pay for medical expenses. Once you pay your premiums you will not get that money back. Why not put that money in your pocket and cover the large unexpected claim. One good option is to look at is a HSA