Ultimately, there's never going to be a perfect solution. There are good reasons for families to have a care-giving roles--and good reasons why that's often difficult. It's possible that for all the complaints, the current system represents the right set of tradeoffs: we ask families to pitch in when they can, and provide extra help when they can't.
We wish to praise the braveness with which Ms. McArdle faces the ever-mounting bills, the insurance companies, the lack of sleep, and the lost work opportunities. Not everyone would be as happy to pick up those burdens, especially as time passes and the burdens begin to take their toll. Fortunately we also know that whenever God closes a door he opens a window, and if the insurance companies refuse to pay one can just yell at them, very few people go into bankruptcy for medical bills, and a more socialist type of health care would kill millions.