Thanks for the additional detail; you know more about Minnesota healthcare than I do. Looks like I'm wrong about the prices there. I guess maybe I'm reacting more to the idea that Alec's decision wasn't rational. I agree with you about how extra sad that decision was, if it was avoidable. But I might also give him some benefit of the doubt, especially since this exact same story isn't that uncommon, of people choosing against insurance because they don't feel like they can afford it, and then paying a much greater price.