Often full time musicians live without medical insurance coverage. With new government laws that have been instituted that require everyone to have medical insurance, you need to start looking at your alternatives and find something. Even though by law a hospital cannot deny someone emergency medical treatment, they will do the minimum and then your upkeep and follow up treatment is totally on you.
If you are in North Carolina, you might want to check out http://www.nchealthagency.com/. No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and protects you from very high expenses.
Health insurance should be part of your budget and business plan right along with a good accountant.