To reduce costs, many people opt for a higher deductible for their health insurance. Do you have the cash on hand to cover that in case a prop falls on you?
A simple and cheap way to fill the deductible "space" is with a supplemental policy from VBA. Be sure to enroll before the beginning of training, and then cancel, if you like (I'd keep it, since it's good for non-rugby too!) after the season ends. Rates and Benefits vary, but you can enroll here.
[Note: There is a small deductible for the VBA also: $195 to $275. But that's still nicer than $2,500!!!]
Rugby is about putting the ball into space for your teammate to run onto it. The gap can be tiny or huge, and timing is the key. For $35-65/mo extra, you can have the cash(the ball) to go into the space (deductible), and having the timing just right.