The following situation is hypothetical, yet drawn from real experiences. What would you choose? The choices you make will reflect your personal value systems and ethical standards.

You and your spouse have a 10-year-old daughter with a life-threatening disease that is extremely expensive to treat. It's so costly that your little girl has already used up all of your family's $1 million health insurance. Now, you have to find a new way to pay for her medicine and surgeries.

You and your spouse both work, and you make good money. That means you don't qualify for Medicaid, the government health-care program for the disabled or poor. But you could qualify if you take drastic actions.

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