I’m in a similar boat.
We are in this boat as well. My husband was a corporate executive and they reorganized and cut his position. (He was making too much money).
So now he’s taken over my one time small business and is making it huge but we have to buy insurance on the market. What a mess. But, fortunately, the Man Upstairs put it into my heart to start packing away cash a couple of years ago for a rainy day He saw forthcoming. My husband did not know I had squirreled away that money until the day he came home crushed and freaked out. Ha! You should have seen his face when I showed him the balance in that account. Although the business is successful in keeping us afloat, insurance is digging into savings.
I empathize… Unfortunately, the impending “bailout” of the industry is not designed to keep the USS Healthcare afloat.