<human>: I'm a freelancer, living in Jersey, working in NYC.  I pay a little over $1000 a month for Amerihealth insurance which "covers" my stay-at-home-wife and me.  We currently pay out-of-pocket for my 5-year-old.  

In September, I received a diagnosis which required tests and procedures, and I soon found that my $2500 deductible was actually not the limit.  The fine print said I'd also be required to pay my wife's $2500 deductible before insurance would begin paying percentages of costs.

The bills have begun rolling in from the hospitals, the anesthesiologists, the private doctors...  

The bank account is dropping to an alarming level.  I'm anticipating more procedures in January, when I expect the deductibles to begin all over again.  

We'd likely be better off if we'd had no insurance at all and I'd requested financial assistance.

I need aid now, but don't know where to start, as everyone I've spoken to says they offer no assistance for those who have insurance.  

I tried signing up for Obamacare, but was unable to verify my identity on the site.  I was given a number to call, but the rep at Experian was also unable to verify.  This past week, a healthcare.gov rep told me to send a copy of my driver's license to a dept in KY, which I've done.  He also said, "Expect a wait."  

Do I drop my current insurance to save money, knowing they're gouging me anyway, and bank on Obamacare to come through for my pre-existing condition and coverage for my family?  Is there an entity that can lend financial aid in a case like this?

I'd love it if I could develop a clear plan of action through some solid advice or shared experiences.  Thanks for any thoughts.

Can you summarize the given text in a few sentences?
<bot>: I didn't read the fine print about how my insurance company would charge.  Now I need advice on how to pay existing bills, and how to get my family properly covered while avoiding new, unreasonable costs.