Navigating no health insurance for kids (but we are not low income)

We cannot afford health insurance for our 2 children. We make “too much money” for state options and marketplace is still too expensive. We have looked at the “share type” programs as well as just trying to get catastrophic. All are far beyond our ability to pay monthly (especially considering we would still pay co-pays and deductibles). I have gotten a fee chart from their pediatrician and they are very reasonable for well and sick visits. Dental & vision can be paid directly as well. We do plan to put money into savings to cover possible future emergencies. Are there special accounts for this? What should we do if a hospital visit is required? Any other advice for living without health insurance? Thankfully the kids are healthy but the obvious worry is the unknown disaster. – State of Alabama, Age – 40’s, household income over $80,000 (can vary due to bonuses). Seeking advice on how to navigate not having insurance for those who are doing this. Please read and understand this before commenting.