I have several chronic conditions, all of which are wildly expensive, including Type 1 diabetes since age 10. I have lived my whole adult life in fear of benefit caps, sudden coverage drops, randomly denied claims from people at my insurance company who have no medical knowledge – and as a person employed in the health care industry, I’m one of the lucky ones who has access and knowledge beyond what most people have. But that also means I witness many other tragic situations in which patients I serve can’t get help. This month, when my new insurance card arrived in the mail, I compared it to...