I've been a teacher my whole adult life, teaching abroad. My health care was covered by my employers until returning to the U.S. several years ago. I was shocked to learn how expensive health care was here. To get an affordable plan, I tried various indemnity/discount plans, but was not covered when I needed skin cancer surgery. As a result, I ended up paying all the premiums and the entire cost of the surgery, so I stopped the plan and was without any medical coverage for several months. Meanwhile, I'd been diagnosed with Type II Diabetes. After my diabetes diagnosis, I was denied any...