I can relate.
When the ACA first kicked in, we had a medical expense that came out of the blue.
Contrary to what the ACA pundits said, we could not write off the medical expenses on our taxes as they claimed! So, that year was a very rough year. A second PT job helped, we reorganized our money strategy, and we did come out of it ok. For that matter, we continued to act as if we were still in a financial emergency, and as a result have been able to pay off nearly all our debt, and have a good size savings account.