I ...just don't have the right words. All this time, I had thought the ACA was allowing folks like this to get the insurance they needed. I can only assume he's at that point where he's making too much to get the subsidy - or can't pay the premium and wait for the eventual rebate. Or something like that.
This man needs more than a few grand. He needs literally 10's of thousands, or more, from the sound of it. It's not often I've been moved by a story, but man, this guy sure has had a lot of crappy luck.
I hope we can help him at least a little bit.