Quick Medical Question

     It's not often I post three times a day but this is by special request from Mrs. JP.
     She's been sick off and on for about a month and a half. The first time seemed to be a run of the mill cold and just as she was getting over that, I came down with a chest cold that stayed with me for about two or three weeks. Now that I'm getting rid of the vestiges of that, she's come down with a chest cold that seems similar to mine.
     She has loose congestion in her lungs that makes it virtually impossible to breathe, especially at night, where she can't seem to find a comfortable sleeping position even with a wedge pillow. Sometimes she coughs so hard she vomits. Two days ago, she was feeling so badly she was bedridden about two thirds of the day. Her appetite's suppressed so she's not supporting her immune system.
     The pulmonary congestion is coupled with nasal congestion and sometimes her chronic sinus problem adds to her general misery. On her sister's recommendation, I have her on two nasal sprays (Flonase and Nasacort). I'm also giving her Echinacea Golden seal extract, Mucinex cough syrup, DayQuil and Nyquil for the evenings, Sudafed for her sinuses and various pain relievers. The sprays cost me about $30 and nearly wiped out my bank account and I'm literally going broke buying her meds that just aren't working.
     To anyone out there with medical training or have had this particularly pernicious strain of cold, can you tell me what I'm missing? I'm trying every over-the-counter remedy I can find and nothing seems to be making a dent in treating even the symptoms let alone the malady itself. It seems to be confined to the chest and I don't need a stethoscope to know she has harsh rhonchi in both lungs. I can hear the rattling from the next room.
     We tried to get on ObamaCare in 2013 but here in MA they made us go through the Mass Health Connector which proved to be so God-awful that after a year, they told me resubmit my application from scratch because they lost us in all the red tape of switching over the people that were fleeing from RomneyCare. As we don't have insurance, I'd rather not take her to the hospital's ER but if she doesn't improve soon then that's what I'll have to do. She's really scaring the shit out of me. While she's never in the best of health, in the nearly seven years she's been with me I've never seen her this sick and it's draining me both emotionally and financially.
     What am I missing? Or is this one of those damned trials that has to run its course no matter what we do?