Imagine you’re a relatively well-paid commercial banker with a great PPO health plan that pays 80% of the cost of your medical procedures.  Now imagine you get a shoulder injury that will require two surgeries and the out-of-pocket portion that you have to cover is $30,000.  It turns out that you don’t have the cash to dedicate to such a large expense and they won’t do the surgery unless you have the ability to pay.  So you affirmatively choose to live with the pain until such time as you can save up enough money to have the surgery.

So that story is the story of a friend of mine.  It shocks me to no end.

Just imagine what life must be like for a store clerk, or a phone support representative, or whoever else is making peanuts – with no health insurance.  Scary.

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