What good is insurance to a kid? ...
When I was a kid, I worked for The Phonograph Ltd.. they were fun, cool and they loved me. David hired me and within 3 months he came to me and said, "I know it is not time, but our service department has never made a dime, you are getting a raise." It was cool, Baileys for the client's coffee, no prices on products ... They paid fairly well, good health ins. and lots of perks. I built all kinds of cool electronic tools and dodads and fantastic cutting edge stuff for our clients and man we had some of the best.

After working there a couple of years, Teresa, my wife, started getting sick. We went to doctors for months before they diagnosed her with lupus and then later scaliderma. A few months later I had a letter on my desk from the new insurance carrier, it welcomed me to the new plan, but they were sorry, my wife had a preexisting condition.
David and his partner., Katherine, had canceled our health insurance and switched to a new company. Seems our company health insurance premiums had exploded. Needless to say, I was not happy. David said I needed to resign because I was not getting along, and they would fight me for unemployment if I attempted to draw it. They acted like I was a SOB. lol ...
I was brilliant, and had a job the next day.

It was hard. We spent a lot of time at the hospital and doctors. They started her on steroids, It seemed like a wonder drug. She was getting a lot better. How wrong could we be ... A couple of more years of painful tests all the time, blood gases, sticking stuff down her throat into her lungs. A scan this and a test that ...
Dr. Katz said to her one day, "You sure are looking good, to be such a sick little girl."
Getting sick costs a lot of money. I made pretty good money at the time, but soon we were getting way behind on medical bills that it took every dime we had. We would arrive for life saving treatments at the hospital and they would always talk about how much we owed them.
In the beginning, when I had insurance for her, they would always whisper, "The Insurance had not paid yet."
I had to contact the Oklahoma Insurance Commissioner before they sent 1/10 of what the face value should have been, saying the treatments and tests were experimental and refused to pay.

A couple of years of that and Teresa was completely over the edge. She was maybe 32 at the time. How would you feel if you knew you were going to die soon?
So she went out partying a lot, and I was working every day and just did not stop her. She started running around with a 21 year old kid and they partied a lot. I loved her and I tried to talk to her about it, and I just looked the other way.
It hurt, but she was "such a sick little girl" ... waaaa
Soon,. Teresa and her new friend had wrecked her new car, put a couple of thousand on my Amex. and she ran off ...

I loved her. and always will ...

And to boot, everyone to a person, was mad at me. some I owed money, the others I am still not sure why. it was a very lonely time ...
I started drinking heavy and became a knee-walking idiot for a while after she left.
It came easy to me, I was raised in bars and at home in every bar I have ever been in.
I was only a drunk for a little while.

Teresa passed away 3 or 4 years later. I saw her the night before she died.
The insurance company made our lives a living hell.