Insurance companies are in business to make money. They seek ways to have more people paying in, then they have to pay out. Since you know this about yourself, insurance adjusters could easily claim that its a pre-existing condition.* There is not a way that you can pay a little and have someone else cover the rest unless that burden is spread across thousands of other people who would be paying, but not using, that insurance. Hence, group plans are about the only way to go, and such plans are available only to people who are part of some group that has a plan. Businesses, unions, fraternal organizations and the like. On your own it's highly doubtful that anyone is going to write a plan that would cover that without pretty much charging you premiums that would cover the cost.
* This by the way is one of the great 'outs' such companies have. Several of which will not even cover any injuries resulting from domestic violence after the first occurrence, feeling that knowing that person hurt you, and you're going back constitutes you taking on a known risk and further injuries are the result of a pre-existing condition. They tried to stop that particular practice in Congress last year, but guess who voted against it?
