Hip, Hip and Hooray?!?!

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I thought it was time for an update on an older post. As you might know, I have arthritis in both hips, left worse than right, and some knee pain that is secondary to the left hip pain. Ten years ago, I was told I would have to get the hip replaced. X-rays were done in February and my left hip is bone on bone--quite painful actually. The right hip is not far behind. I belong to Kaiser and the individual plan that I have has a 6k deductible. That means that the surgery would cost me 6k. If I wait until September's open enrollment period, I can go back on my husband's insurance plan--the cost would be about another $150/month in insurance premiums, bringing my monthly premium to about $750 a month. But the surgery would be basically free. So that is the current plan. The catch? If I sign up during open enrollment, the plan doesn't kick in until January, 2017, so I have to find a way to deal with increasing pain and decreasing mobility until then. More on that later. How do you find ways to deal with medical costs? insurance issues? and most of all, chronic pain?