My son has autism & is 20 yrs old, I will only go to the top doctors for my sons care which means I pay 100% out of my pocket. I average close to 25,000 a year in medical bills but I do not receive any subsidies I guess because I work. (out of network zero coverage for Autism) The tax code also hits at the end of the year because there is a 7.5% cap that the medical expenses have to exceed before any is deductible. You are right it is a nightmare for us & my son. I truly believe is was the vaccines, & then I have a daughter that graduated with a biology degree from Johns Hopkins Univ.