If you are young and relatively healthy, i suggest going w/ disaster insurance (really cheap insurance w/ a high deductible)

Get advice for small colds from med school friends, and get insurance only for those cases when you are hit by a truck because you were too busy writing code in your head to look both ways before crossing the street.

That is what I did. It worked out mostly. Had to pay for one thign out of pocket, but it wasn't too bad.