Alright just going to be straight with you I am 31 and have never had medical since I fell off my parents, super risky and every year I revist the risk during open enrollments. But I have worked for a hospital before I have seen what people can do on the back end of bills with no insurance and honestly hospitals are so willing to work and cut breaks since their actual costs are not what they price since they have to play insurances game, seen people shave 30-40% off their bills granted if your original bill was 60k for lets say minor emergency surgery (basically nothing that requires specialist, say deep debris removal) you talk them down to 42k after all the usual tricks (asking for itemization, pushing back where you can, stating in writing you dont have insurance and are unable to pay, etc) and then we compare that to presumed premiums which for me usually quoted somewhere between 350-400 for a shitty hmo with out of pocket of 10k. So 350 a month means 10 years break even every year after that I have actually saved money, also if we are using that 350 a month for investments and say doing 6% avg your break even is even lower. Granted it sucks that this is where we are in the world where you have to choose arguing with insurance or begging the hospitals and anyone with chronic conditions obviously gets double fucked. But this is just the way I was able to afford a house in my 20s.

Phone bills high would look into mintmobile $15 a month or $30 for unlimited data.