Why didn't you have insurance

Of all the questions people may want to ask but never do is why we don't have medical insurance. Those of you who live in countries that believe that health care should not be an option may not understand how amazingly expensive any medical care is and why everyone in their right mind gets insurance.
We have always had insurance until this year. We have never used any insurance that we have ever paid for out of pocket but we have always been insured. Most people get their insurance from the companies they work for but because I am not full time at LC and Scott's company opted not to give this benefit we have paid all our insurance...until this year.
When we went with MAF last year to Papua, we let go of the insurance we had to go under the care of MAF's. In letting go, coming back we would have to start all over getting insurance and staying on with MAF's was way out of financial range. I also expected to work a lot more hours at LC but when we came back that was not to be true. Scott has worked consistently but has not had the turn-around work he usually gets every year...all this to say, financially we have not been able to get an insurance we could afford. Which brings us to this point where everything you don't want to happens happens when you don't have insurance.
To say that this is scary is an understatement...the hospital bill came in today and we haven't even received the doctor's bill yet. You know how bills come and you have 30 days to pay it off, the hospital wants its money in 2 weeks. Please don't misunderstant they deserve to be paid and we will attempt at a payment plan or get a line of credit from the bank...something. We are responsible for the service rendered...it is all so overwhelming. I am numb at the mountain ahead...please pray that we have wisdom on how to proceed.
I wanted you to know we were not being careless with this...