What We Learned From a Year of Americans ‘Risking It’ Without Insurance

By John Tozzi

Their stories from the trenches reveal a broken health insurance system that is increasingly out of reach.

For many Americans, 2018 was the year that health care reached a breaking point.

Insurance was still too expensive to buy. It didn’t cover nearly enough. And as the country’s politics festered, the government once again failed to solve the insurance conundrum, even as a large majority of Americans who flocked to voting booths said health care was their top concern.

My colleagues and I spent much of this year talking to people who had weighed the health benefits against the financial burden of purchasing insurance. Most decided to risk it, betting that going without made more sense than paying for coverage.

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