What state are you in?
Both kids can get jobs. There are high risk insurance policies in most states. It’s tough but it’s part of insurance. Like a fire in your house leads to higher insurance rates.
Or, they can pay out of pocket. There is a SIGNIFICANT discount for those willing to pay a doctor or hospital out of pocket.
It took my Nephew five years to pay off his son’s stay in the NICU, but he paid and the hospital was really nice about it.
My local hospital will allow a patient to pay as little as $10 per month until their account is paid off. Keep in mind said hospital is a for-profit outfit.