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There is no such thing as cheap health insurance.
The less you pay in premiums, the more you pay out of pocket (co-payments, co-insurance, and deductibles).
The more you pay in premiums, the less you pay out of pocket (co-payments, co-insurance, and deductibles).
The best way to protect your home (and other assets) if you go to the hospital is to have plenty of money in the bank to tide you over during emergencies.
When I had my rentals back in the 1980s I kept a $10,000 slush fund for down time and repairs. I had health insurance through my job so hospitalization wasn't a concern. If I had rentals today I'd want to double or triple that ($20,000 or $30,000). If you don't have health insurance I suggest a $50,000 emergency fund.
After how long of tenants possibly not paying rent and an eviction moratorium would want that large slush fund.