I agree with 30Ashopper regarding the assets. My assets were fairly well positioned so I lost very, very little in that. It's my income that dropped drastically. Fortunately, I am resourceful and not dependent upon the government - I will get there. I have shifted gears, and shifted gears in staying ahead of this recession.
As far as the insurance issues, there is another thread regarding that. If you work for a large corporation, you should have a menu from which to choose a medical plan that suits your needs. There should be plans covering from 100% to a bare minumum. Often times, when one chooses a plan that doesn't cover everything, they have a surprise medical expense and then feel it's a problem with the system. Not saying this is the case with you, however.
Everyone needs to live within their means and make necessary adjustments. I am not for Big Government and I am not for socializing a dang thang in this country. I am for people working hard and using their talents to provide for themselves. This does not mean I am not charitable.....just wanted to cover that off before I get called a 'meanie' or something worse. And, the proverbial wave.....

;-)