Welcome Aboard, Steph!
I sympathize with you. I have been trying to get surgery for almost five years now. I'm 67, so I know the feeling that the clock is ticking. I am afraid we will have to be resourceful in doing what we need to do to get things done.
Some foundations and other organizations offer grants and loans, but their funding is limited and there is a lot of need out there.
My first step is to get my passport before the end of the year. The next step will be to migrate to the jungles of Minnesota where they have state laws that protect our rights and insurance coverage. I don't know yet what their insurance would cost, but it may be an option. If bans become federal law and all funding dries up, I hope to have the finances by then to leave the country.
For now, we wait and see what is going to happen.
Hang tough, Sister. We are all in this boat together.