If you are unable to work right now, you are eligible for Medicare/SSD...or you were before ACA.
The Medicare cutback you speak of happened several years ago: "Mysteriously", the acceptance of ME/CFS and similar disabilities by SSA for disability dropped off sharply about a year after ACA/Obamacare took effect. I was informed of this by one of the East Coast's best SSDI lawyers, who has been practicing for over 30 years.
It's no mystery though. The plan's chief architect said that it was deliberately written in an unreadably long, tortuous, bureaucratic form
so that voters would not understand what it did. It was predicted that the massive $$$ drain caused by ACA would force many cuts elsewhere, and that happened.
I admit, with great shame, that I was one of those who thought about Obamacare "What a fine thing, someone cares about us!". That often works when one is below age 12, not so often as an adult. I plead the excuse of having this neuro-immune disease, with its consequent brain fog, and near-complete isolation. Of course, life cares nought for such excuses.
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$1900/month plus whatever the deductible is several times more than you can spend on MECFS, because there's almost no effective treatment, and what exists is experimental and not covered by insurance. Of course, some form of insurance for events such as cancer or getting hit by a car is good to have. Previously, you could get that for far less than $22,800/ year, but such plans were outlawed by ACA. You know what's right for you 1000x better than I do, but you might want to go over the numbers and see if the cost + deductible you're paying now is more than paying cash and negotiating a discount, then adding some sort of accident/hospital insurance. But if you are disabled from all work, you should be receiving Medicare and SSDI.