Is my plan crazy?

I have a new job after finishing my PhD and I’m debating whether or not to accept one of the insurance plan. The most suitable option for me and my family would be ~$400/month. Not awful for what I’ll be getting paid and what I’ve seen others describe, but I figure after deductibles and stuff I’d be paying minimum $5000/year. Not even close to what I anticipate the value of my healthcare being. I’m 31, I live in KY and my income will be ~104k/year.

I’m still trying to figure the numbers and explore my options, but my estimate is that if I just paid for a doctors visit directly, medications (generic, or with discount card), etc. all out of pocket I’d be paying about half that. I’m also looking into direct care facilities where I basically pay a membership fee for regular access. That doesn’t include hospital stays, other major events.

If there was a catastrophic option, I’d take that because by my amateur estimates, I’m in an extremely low risk group. But I understand the importance of having a safety net, which is why I’m considering accident/injury insurance. They’d pay me a lump sum for various injuries, even including hospital stays. My first estimate I got was for $1000 for admission and $500 for the next days (up to some limit of days). Coverage like this feels extremely appropriate and is what I’d really like to have.

But I know that this buffer zone won’t cover something truly catastrophic. And as I’ve seen many times on this sub, that’s when you really need it. I would feel more confident paying for something like that when I turn 40. But it seems to me that I can pay half as much for 99% of the same coverage.

And I’ve seen many stories like “I’d have had to pay 350k if I hadn’t been covered!”, but I’ve also heard a lot about negotiations that can take place with hospitals to drastically reduce enormous bills, etc. Like my local hospital has a financial relief program that, if I were uninsured, I would qualify for which would at least reduce the amount to pay. Also, there are so many horror stories about what insurance refuses to pay anyway, even if it should’ve been covered. I’m not convinced that having normal insurance will even cover me like its supposed to. Therefore, it seems to me that there’s some risk I’d still be accepting anyway.

Without platitudes like “you’re fine until you’re not fine” (which I understand and is the reason I haven’t really convinced myself of this yet), what are additional things to consider? If I did this, I’d probably stop doing after I reach 40 or if my doctor tells me I’m at some greater risk. Or maybe I just do it for a single year to test it out. I understand there would be some risk with such a plan, it just seems to me that the risk can be managed wisely.