Just signed with Pacific Cross using Macallan as a broker. 46k per year with a 20k deductible and inpatient only. Only exclusion is hyperlipidemia and both Jack at Macallan and another broker at AA ensured me that heart attack, stroke, etc. would be covered as it would be very difficult for the insurance company to proof that it was caused directly by the hyperlipidemia. I tried to protest to the wording in the exclusion, but went along with it eventually.
I see the insurance as an emergency situation help and I might cancel it at a later point when it becomes to expensive, e.g. after 70 or if I have a big claim at one point, cancer or something that would make my premium skyrocket.