Have you tried taking melatonin right before bed? Even with a CPAP machine I use them from time to time. Just be sure you have a full 8 hours as it can make you groggy the next morning
At a certain price point (% of income), people stop buying insurance. You can buy a lot of healthcare services for $20K a year.
To your point, the meltdown is more on the insurance side. The normal, every day providers will just charge patients directly.
The issue is the people who get "left behind"--ones who have large numbers of issues. All our insurance money right now goes to provide for them. If insurance collapses, what happens to them?
Maps like this give a sobering view of the Healthcare debate.
Insurance for a family is now > $20K a year. Look at how many counties this would be half or more of the median pay. The whole situation seems like a melt-down ready to happen.