 Within six months of Andrew's diagnosis, we had maxed out his prescription benefit and had to start paying out-of-pocket thousands of dollars for his medications. Another couple of months later, we met a lifetime cap. His health insurance stopped paying for his treatment, and we were left on the hook to pay to keep him alive. I cashed out my 401k, we postponed our plans to start a family, and we borrowed money. We even considered moving to Canada.