<prompt> Human: We just had twins who spent a few weeks in the NICU. With all the prenatal, neonatal and NICU costs, we are going to hit our family out of pocket of 15,000 for 2013. Ouch Close to 25 of my pre-tax salary, thank you very much crumby employer health insurance plan.Seeing as we now have two babies and possibly having another sometime in the next few years, we may continue to have higher than normal health care costs, and thus out of pocket costs. Is there any plan, insurance, scheme, fund that I can use to protect against out of pocket costs?Currently we are in a repayment plan that has 0 interest, which is better than nothing. However, Im wondering if a second insurance plan would help, or if there is something else out there that I cant find that might help.Thanks!  <response>: Find a new job is 100 easier to say than do, but Id consider seeing if there are any job opportunities that would pay you the same salary or more with a better benefits package. For example, I am extremely fortunate that the maximum out of pocket costs not including medications for a family plan at my employer is 1000 per year. 