Our first kid had a 100k NICU stay, they let me labor for about 40 hours after my water broke, he had an infection at birth. Tricare was our saving grace, it is the only thing that has kept my husband in the army for over 20 years. Our oldest has very high functioning autism (Aspergers under old diagnostics), and had delayed physical development and learning disabilities. At one point he had speech therapy, OT, PT, feeding therapy, and ABA, each one 2-4 sessions a week. Now that would have been expensive if we had to pay out of pocket. At the height of his therapies it was around 80k for the year, tapered off to about 12k the last year when it was just one session of ABA a week, but yeah 7 years of that without amazing insurance or govt support would be enough to bankrupt most people.