:grouphug: When we were with the Catholic Mercy hospital they had financial assistance available, and a patron/donations paid for the part we were responsible, but would have taken us years to pay off. But when ds2 had surgery at US Davis, they only had financial assistance for people without insurance. We still have (I think) 2 years to go, to pay for a surgery that happened when he was 9 months old (and that was with our very good insurance.) Are you with the kind of hospital that has the good kind of financial assistance?
I have a lot of respect for you for not wanting to have tax payers cover the money; we are the same way. And I commend you for being responsible and saving ahead of time for the twins.