Probably going to drop my state HQP. Looking for suggestions on hospital/accident insurance.

So right now I have $158 a month in payment assistance for my QHP through the state of Kentucky. I recently got a raise so my income went up $2,000 a year and after updating my income I have now dropped from $158 a month in assistance to $60.

Also the price of plans is going up in 2023 so right now the cheapest plan I can get is $267 a month after my $60 of assistance. At this point I don’t even want to fool with insurance. I’m healthy and only go to the doctor about once a year, dentist once a year, and eye doctor once a year. All their out of pocket pricing is honestly only a little bit over what my co-pay would be anyway so I’m seriously considering not having health insurance.

I’ve considered something like Aflac just for hospital and accident insurance and then paying everything else out of pocket. I just don’t want to go bankrupt if I have to go to the hospital for anything. Does anyone have any suggestions for hospital insurance that doesn’t cost a mad amount?

Edit: Title should say QHP.