Well Ozark all i can say is that you have bad luck, my wife is an RN, and has done most of her career in the ER, OF, and IC, and thats not normal.
I'll tell you what, you turn that portfolio with Exxon and all those other premo stocks of your, any retirement IRA's, etc over to the feds for a year. If you still think they can do a stand up job on things, I'll consider putting my health care in their hands.
In the mean time I'll stick with what I've seen work for many years, if you want the best performance, put it in a competitive market where a profit is a stake.