That sucks. I can believe if you have a tough medical condition then there's no limit to how expensive life can be :-(
And yes, marketplace insurance is poor. I get paid a fraction of $500K and the deductible for the whole family is under $4K. Max out of pocket is about $5K, but we never hit it. I don't pay any premiums. If I were single, it would be much cheaper - I mostly pay for the dependents. Big companies negotiate good deals, and they'll often have employees who will act as your advocate for weird billing problems. Insurance companies don't want to upset a big client.
Sad fact of life in the US that one of the reasons people cling to soul sucking jobs is this - even when they have enough money to retire (but still too young for Medicare).
And yes, marketplace insurance is poor. I get paid a fraction of $500K and the deductible for the whole family is under $4K. Max out of pocket is about $5K, but we never hit it. I don't pay any premiums. If I were single, it would be much cheaper - I mostly pay for the dependents. Big companies negotiate good deals, and they'll often have employees who will act as your advocate for weird billing problems. Insurance companies don't want to upset a big client.
Sad fact of life in the US that one of the reasons people cling to soul sucking jobs is this - even when they have enough money to retire (but still too young for Medicare).