Yeah, 200,000 is pretty quick for a turbo to go bad. They usually wait until at least 400,000. But, it happens.
Then again, it might just be an oil leak at either the filler or return line, which can make it look like the turbo is bad.
If you do have to have it replaced, you can do it for quite a bit less than $3000.
2003*Dodge from TurboChargerPros
Re-manufactured - $545
TurboChargerPro - $565
OEM Garrett - $995
When I replaced mine I was going to get a remanfuactured Garrett but they were out of them, so I got a new TurboChargerPro one. Same warranty, either way. You can re-use the electronic actuator on your current turbo, instead of having to pay another $500 or so for it. The OEM turbo at the dealer includes an actuator, and you'll pay $1550 for it.
The unit from TurboChargerPro will include the main gasket, but you should also replace the oil filler and return tubes, and the gaskets for those. They'll probably have a kit you can get with the turbo, if not you can order those from Berry Dodge or Europarts.