[twoodfin]

Under PPACA, as of this year, there's something called "Guaranteed Issue", which means that if you offer an insurance plan at a particular rate, you have to give that rate to everyone, and accept anyone who will pay it. The only variables that can go into the rate calculation (AFAIK) are age, a community rating, and whether the applicant is a smoker.

She should get on her state's or the federal exchange and find a plan that includes her doctors. If she's seeing top flight specialists, that might be expensive, but it will be much cheaper than "$10-50K per incident".

I am surprised to be shilling for Obamacare, but there it is!