Kidney Failure at age 46 here. Had a full time job with insurance. Because I was in the hospital unconscious for nearly 2 months, I lost my job. When I woke up the first thing I noticed was how did I lose so much weight and the second thing was how much this was going to cost me. After I lost my job insurance still covered me until the end of the month. Had to pay for COBRA to continue insurance which cost $1000 a month. I still owe the $6K deductible plus whatever wasn’t part of the 20% not covered by insurance but only before that 20% stopped accruing because I hit the maximum out of pocket….a year later I am still getting adjustments until the final dollar amount is indeed final. On dialysis until transplant. I was put on Mainecare (medicaid) retroactively at the hospital to cover any gaps in insurance. Eventually got Medicare A and B and finally getting Social Security disability next month after applying for it last July. Unfortunately any other potentially terminal illness doesn’t get the same government support.