I’m not sure if you have to be American to use them, but have you looked at Cigna Global plans? They seem reasonable and you can adjust coverage, deductible, and co-pay amounts to suit your needs. They are primarily for overseas coverage, but USA coverage can be added as an option that doesn’t seem to raise the price significantly.

@Özkan ******

I’m sorry, it was 4-5 years ago and I have lost their contact information.

@Maxim **********

you are correct. A few years ago I had a 79 day overstay due to waiting for a new passport to arrive. I paid my 20,000 fine and paid an agent another 20,000 to sort it out, got all the appropriate stamps in my new passport and continued staying like nothing happened. I have come and gone through immigration many times since and have never had a problem. Agents can be a scam, but sometimes they are worth every baht.