I have two dr appointments this month, and no insurance.
One plan is to spend as little as possible and make do. We are getting really good at making do, which is not always fun. Though I am having fun using stuff here and enjoying what I have. I've noticed that I buy very little and don't replace stuff because over time I've ended up with things I like and still use. That seems to be the best money saver around here. To have/buy what we like, not just what is cheapest.
The rest of my plan is to buy as little at the grocery and use the stocked up items.
Last month we got to go to two events that a friend won tickets for. They were a fun outing even though we did spend some for parking(our treat). It ended up being a lot less than it could have been.
As always we are taking things as they come and doing our best to save where we can.