Have you considered moving to California?
Yes it is mainly a money issue, now if you have nothing and am coming from nothing that is one option. Or of you have Loads of Money that is another.
She is the middle.
Think of OCare as like Motor Insurance, you buy it annually so what next year will be is an unknown, well always up, it does not by any means cover everything, you can buy different levels at different premium points, there are tax credits but that of course depends on her situation.
Is she in good health, I know that is no guarantee but a start, will she be leaving a support system, family and friends?