I am a pretty bitter idealist who is currently homeless and trying to declare bankruptcy. I have an incurable genetic disorder, as does my 24 year old son. We figured out how to get well. I would love to offer alternatives but damn few people care or are interested.

I also worked for an insurance company for five years. So I have an insider's view of that aspect of it as well. I don't think our current system works. But it has inertia on its side.