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My suggestion Prudence, if at all financially possible, is to purchase private disability insurance. It is relatively reasonable in price and is excellent in terms of quelling the fears you have of becoming ill and unable to work. No harm in looking into it. Like everything, it's a trade off - is it worth the money to you monthly for the peace of mind? That's what purchasing insurance is, I suppose.
Catastrophic health insurance is also relatively inexpensive. It is possible to purchase policies, again for relatively small amounts, that pay all medical expenses after a certain amount has been spent by the policy holder.
I'm not an insurance agent - I do not have catastrophic health coverage (I don't require it as my current insurance covers such things), but I do have disability.
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