by Mark Matsune.
SUCCESS!!!
Thank you Al, Rick and Tony!!! Even a novice like me can get lucky and stumble on to a solution. I reread a BlueHost support ticket and discovered that I should have updated my PHP to "PHP 5.3 (Single php.ini)" instead of "PHP 5.4".
This generated a new php.ini file in my public_html folder and I was able to change the file successfully:
post_max_size = 200M
upload_max_filesize = 200M
Thanks very much again.