It certainly seems that you are one of the folks that got really hit. First, healthcare was always to cheap for what was coming in regard to the baby booming aging. Then the development of better and better biotech drugs drive costs up significantly as well as the turnover rate in technology. It seems that there should be/could be a more goat effective plan in the private market assuming you don't have terribly high risk factors. My most significant medical cost has been cataract surgery a couple of years ago. Being only 7 months from going on Medicare, I'm facing a lesser impact although if I totally quit work I'll have to buy a private plan for the wife for a couple of years. Now, The dems and the republicans are and we're stupid saying that they have a plan that is better, lower cost, more coverage, more access, for ALL. It isn't going to happen. Unfortunately, at this point there is no turning back, as somewhat evidenced by the republicans problem in congress on repeal and replace. It's doable, but they know they will get hammered in the next elections and they obviously don't want that. I had a guy here two days ago talking healthcare. He had a heart attack and kidney cancer in the same year. Total costs over 600,000. He was complaining about his premium and deductible costs now, about $20,000 a year. But, he quickly said that if he had to cover healthcare out of his pocket, he'd have lost his business and had to file bankruptcy. I hope that something is provided by legislation to help folks like you that got hammered on premium costs. But, the approach of the ACA model will in the future be likely expanded to broader national healthcare.