In Solo sessions I drive behind them or catch them at a stop light and throw sticky on back doors, then wait for them to get far enough away so I don't blow up as well. Blow doors, grab cash, then call Lester quickly to remove wanted level.
Losing $500 to Lester is much better than $2k for medical. The wanted level is instant and a chopper and 5 cops are on me before I can make it 1 block. Several times they have been shooting at me when I called Lester, but wanted level instantly removed and I walk away with lots of cash.
Anyone else have another strategy that you have proven affective???