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Middle aged people may have developed some health problems, and are not usually eligable for the best rates. It is sort of ironic that middle aged people who seek health insurance are still called "under age". Look at higher deductible health insurance plans. Major medical plans with higher deductibles will cost less, and sometimes, the underwriting guidelines are more relaxed. These plans will stay you from a financial catastrophe if you are ill, but will not pay out on every penny of your health services.
A $5,000 or $10,000 yearly deductible may seem high, but that higher deductible can save thousands of dollars every year on health insurance premiums. And those plans that include a medical provider network, like PPO plans, will help you save money on the medical services you need to pay for out of your own pocket.
The tax advantaged savings account can be a great way to save money to pay the deductibles. Many accounts even earn interest on the money too. At retirement age, you can withdraw the money without any tax penalty.
For disciplined savers, and for older people who need to manage health care costs, HSA plans can be a great alternative. Some people will have health problems so they cannot qualify for any individual plan. Every US state has a high risk health insurance plan, and you can contact a qualified insurance agent or your state insurance department for more information. State and local governments also have low income programs. You can look for information about state Medicaid plans or country health programs to see if you qualify.