I’m tired of dealing with insurance bologna for small amounts. What sort of plan/keywords am I looking for if I want to pay everything out of pocket, can choose my doctor regardless of in/out of network, etc etc., but insurance only kicks in for serious amounts (like heart surgery)?

Washington state. 30 years old. Single. Unemployed. I just don’t want to stress/time sink/delay over insurance related stuff unless I really really have to. submitted…

View More I’m tired of dealing with insurance bologna for small amounts. What sort of plan/keywords am I looking for if I want to pay everything out of pocket, can choose my doctor regardless of in/out of network, etc etc., but insurance only kicks in for serious amounts (like heart surgery)?