I wrote to you on the heart forum as well. Your son needs to be evaluated by a transplant team. They will determine if your son qualifies for a new heart. As I said on the other forum as well....he may qualify for SS and medicare. Check that out.
The symptoms of CHF will be the most life threatening part of the disease, and a lot can be done for them, such as taking lasix, Coreg, diltiziem, etc. Following a low sodium diet. If he smokes or drinks, he needs to stop ASAP.
If he does all of the above, he should see a significant improvement within the first 2 weeks. If he doesn't, the outcome could be grim for him.
As far as help for insurance goes, $650/mo is average for someone who already is ill with a disease. Where I live, the cheapest I could find was $631/mo, and it had a $5,000 yearly out of pocket, along with a $500 yearly prescription, out of pocket. The high deductible sounds terrilble, until you realize what the cost for medical care would be without any coverage at all. My first hospital stay for CHF ran $40,000 for 3 days, and that did not include the Doctor's charges, or any of th people who came into my room and said a couple of words to me, or performed a test.
It's too bad your son couldn't see his way clear to have health insurance before he became ill, as the cost would have run about a 1/3 of what he will have to pay now, and the higher insurance is considered "affordable"?? I was totally blown away by the government's idea of affordable.
Was your son working immediately prior to becoming ill? If so, he might qualify for Social Security disability, and it would come with health care....medicaid to begin with, then Medicare when his Social Security kicked in. Of course it would depend on his stage of heart failure, and a having a good lawyer.
Lawyers will usually take a Social Security case for no charge until the client qualifies, and then Social Security pays the lawyer out of the retro-pay of the recipient. It's something to check into, anyway.
I hope this helps, and I hope the best for you and your son.