How much do I care about health?

I care about health a lot. I read about it. I love healthy food. I go to the gym because of it.
But I just lost my wonderfully free government insurance, and now I have to put a price tag on my own health. Turns out, joining my husband's insurance is one of the most expensive options. Looking into it, it seems that our now-combined income is too high to get what I consider reasonably priced insurance. I'm not sure I'll use enough healthcare to be worth $550/month for the rest of my life, and that's a middle-of-the-road rate.
Okay, I thought, people seem to be happy with indemnity insurance. And as it stands, paying for my one prescription and even the odd doctor's visit out-of-pocket is much less than insurance. So I'll just protect against disaster, and that seems to be reasonable.
But today, two unsettling pieces of news popped up:
1) A capable, intelligent friend broke her foot in 2 places by simply dancing around the room - something I do all the time.
And much more serious, 2) a woman I used to baby-sit for, with children still at home, died from a cancer they thought she'd beaten.
Obviously, the second is much scarier, and my heart truly goes out to her family and loved ones.

Of course, now I'm reevaluating. I think the indemnity insurance would cover cancer. But what if it's discovered too late because I don't have regular check-ups? I've already had a slow-growing, non-life-threatening - but still actual - skin cancer. This woman's second cancer was in her spine, where they hadn't even checked.
And then, what happens if I break bones in some stupid way, and suddenly have to pay for something before they'll treat me? (Actually, I don't really know how this works. I've been to the emergency room once, and that was covered by workman's comp. Eventually.)
Or what if I (really not ready for it!) got pregnant, and then my premiums are even higher for OB visits, etc.?

So it's back to the drawing board, trying to find some way of covering regular check-ups without spending my entire yearly income. (I kid you not.)