text: My suggestion is an entirely a viable means to avoid bankruptcy and catastrophe by affordably staying insured until medicare kicks in or changes are made in our national health care, by adjusting that income down by consuming less, saving more (health bank, IRAs, 657c plans etc etc), and giving more through tax deferred financial mechanisms. You are adding information now... no PFD? isn't that included? 
  
  Pretty hard and less certainty to snap one's fingers and get a promotion, higher paying job or new job with employer provider benefits which are also a viable solutions as well. Those options weren't mentioned in your original post...certainly better options. I just offered possible solutions to the problem you mentioned. 
  
  "With further restrictions on providers and out of network costs with no spending limit it could take one year to be wiped out financially."  what, why that? why is it not possible to use network providers, why is there no out of pocket limit on the current plan