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[hunter]

48. Well, first they called my wife and I uninsurable... our Cobra ran out...

... and then for a couple of years I didn't have health insurance. Easy as that.

My wife qualified for our state's sliding-scale "high risk" plan.

I wasn't insured again until my wife took a job offering a high deductible family health plan.

Then we paid $8000 a year premiums, usually reaching the $8000 deductible in November or December when we could pry a few hundred dollars out of the insurance company and they'd act like they were doing us a favor.

Our insurance is a little better now, but not much. I still don't go to my doctors sometimes when I should if I owe them money.

We always owe money to somebody for medical bills, which has destroyed our credit rating.

Mind you this was all for random stuff that could happen to anyone. You take care of yourself, you don't smoke, you wear your seat belts, and shit can still happen.