<prompt> Human: Four months ago, my wife gave birth to our son. Everything went fine during the pregnancy, so we were not expecting any complications. However, she ended up having an emergency C-Section. The baby ended up spending five days in the NICU due to fluid in his lungs, which basically amounted to monitoring and IVs. He did not require any surgeries. I have shittyinsurance, but it has a 15,000 yearly maximum on payouts, so we are left with about 30,000 out of pocket expenses. The hospital expects this to be paid within a year. We attempted to get assistance from the service provider, but our request was flat out deniedThey were provided all with all of our financial data; taxes, bank statements, etc.. My wife and I make 90,000yr combined, but after mortgage, bills, childcare, groceries, etc, were lucky to have 400-500 to put away into savings per month. We do not have remotely enough to pay 2,500 a month toward this debt. My question is, do I have any options to resolve this that dont involve bankruptcy or otherwise severely damaging my credit? I am willing to make reasonable payments on the debt, but Id like to try and get it reduced if possible.We are in Maryland, if that matters. Assistant: This is why you always get yourself good insurance. Im surprised your insurance payouts are even legal, considering your out of pocket expenses.The best you can do is call your hospital and set up a payment plan. Ask them about financing, etc. If theyre obstinate about paying it off in one year, you may need to look into a personal loan, a HELOC, or even a refinance of your mortgage. Youll pay interest, but at least youll be able to afford the monthly.Do you have emergency savings? This would count as an emergency.Oh, and drop your bullshit insurance.Human: My insuranceAetna coverage wont be legal anymore if the ACA gets fully implemented. The shitty part is I have a decent job, but I work for a subcontracting firm, and the plan I have is the best they have to offer.  <response>: Your situation is exactly what the ACA is designed to prevent. How about a home equity line of credit, or just a loan?For your own sake, get insurance through the exchanges. 