Here's another option:

We've had quite an Amish community spring up in my extended neighborhood. I've got to know several of them quite well. They don't believe in insurance, and don't buy it. They also don't believe in federal assistance of any type, such as Medicaid/Medicare. They are exempt from paying into Social Security/Medicare, and they also don't get those benefits.

I've seen them rack up some pretty hefty hospital bills, with premature babies, heart surgery, etc. They will go into the hospital billing office and say, ok, we don't have insurance, we will pay cash and usually negotiate the rates down. The family and extended family pay what they can, then they announce in their church service that more money is needed, and the community pitches in. If it goes beyond the communities ability to pay, the call goes out to other Amish communities. The bill gets a write down from what insured costs are, the cash is delivered and life goes on.