Scott,
Is there any resentment from your crew that you are costing them a fair chunk of change? Do they even know?
So what would you do? From an insurers standpoint you are a terrible risk (I know you don't need me to tell you that
), so what should your rates look like compared to theirs?
What sort of changes would you like to see? Should you pay the extra for your coverage yourself? The DNC says that is not fair (not true - being responsible for yourself is fair) and that people are being wiped out financially because of medical bills for situations like yours (true - folks without coverage have to pay for those bills themselves, or some of them default 'cause they can't afford the $300,000 for treatment so we pick up the tab).
So what should we do? What/who should be covered, and how does it get paid for?
Steve