Wait you mean to tell me you have NO holy shield and your Dex is only 30!
Right their is your problem. You can't block any attacks what so ever, raise dex asap and put at least 1 into Holy shield NOW! You are basically fighting in Hell with the ability to block act 1 normal monsters. This is why you are dying. Plain and simple.
Now your merc is dying left and right because their is no life leech on him. Basically socket everything he has with skulls so he can leech life and regen life alot faster. After this give it a Insight Runeword Polearm.
With both of these basis covered you will do fine at MF and killing anything in your way.
Wait till you see what your hammerdin can do once it can actually block a spitball, let alone a few melee attacks from hell minions.
If you put every stat point into dex, and put at least 5 into Holy shield, from here on out, you should survive a hell baal run by 90-92
I doute you will be able to reach max block without some help from gear though.