3
For Neal Shah, the breaking point came during his wife’s cancer treatment.
He remembers being overwhelmed, surrounded by stacks of hospital bills, denial notices and insurance statements. When he and his wife tallied everything — from monthly premiums and out-of-pocket costs to uncovered treatments — they realized the shocking truth that over the years, they might have been better off paying entirely out of pocket than carrying health insurance at all.
At first, Shah chalked all of the bills and…
