S.,
I would advise to get the tonsils and adenoids removed and the tubes put in as soon as possible. We had to wait two years to get insurance approval (had to have tonsillitis so many times in a calendar year for them to pay). Once we got the tubes in, the trips to the doctor decreased dramatically, my son was in less pain and life got easier. He got his done while in Kindergarden.
He had to spend five years in speech therapy in order to perfect his speech. He could not hear the fine sounds and therefore could not reproduce them. The sooner that hearing is resolved the better. My son was teased in Kindergarden and first grade for his pronouncement of certain words - which broke my heart.
A second consideration is that my son got numerous cavities while fighting the tonsillitis. The dentist explained that while the tonsils were infected the bacteria was on the teeth. We spent tons of money on a pediatric dentist fixing his baby teeth so that his adult teeth would be in great shape. We had to see a pediatric dentist as my son needed so much work that he was terrified (my other three kids never had a cavitiy until their teen years).
As for your husband, ask him if he wants to deal with the physical issues that your daughter will continue to have (more pain, delays in speech, dental issues and then speech therapy. The longer that you wait, the more that it will cost.
As for the medical costs, have you looked at BCBSNC.COM? I was able to get my son coverage (17) for $125 a month for good coverage. I know that Starbucks is hiring and it offers all of it's employee health insurance - so that may be a way to go.
I had an ear infection a month ago and it stopped me in my tracks. The pain was uncomfortable but not hearing was horrible. It tooks four days for the medicine to kick in and I was gratefull.
Good luck with this.
C.