My brother has polycystic liver disease and he needs a liver transplant?

His insurance will only pay half of it, that still leaves him with a large amount to pay on his own. He is only in his 20's and has a very young daughter and he feels that he will go into to bankruptcy paying for this. He is refusing to have the transplant becuause he feels he can't afford it. Is there a way he can make small payments or obtain other means of government help?