For insurance I have the "gold" plan. And medical bills are still the thing keeping my family paycheck to paycheck. I do have a special needs kid, but how is it that in today's United States, medical costs keep people from having a retirement and under constant dire financial strain. Every month it's a juggle of grace periods and late fees. I keep thinking of the saying "People go bankrupt slowly and then all at once.". The juggle gets harder every month as the options get fewer. And I have low interest rates and good credit but soon stuff will start to slip, because you have to pay for your kids' doctor.
I'm so sorry you are going through this! I know how it is, having raised 2 special needs boys, and paying out-of-pocket for some needed therapy. It seems that people like us can never get ahead. I will never retire, for sure.
Whenever I do those retirement calculators the age is beyond my life expectancy.
In this country, the health care system, if you can call it one, is all about profit. They keep squeezing you until you die or go broke, after that, you are no longer useful to the capitalist system, as a worker or a consumer, so you are supposed to go die quietly in the gutter...