Eric Gray worked nights as a flight attendant, so he could take pharmacy classes by day.  His family pitched in to keep him in college.  Five of them lived on $22-thousand dollars a year.  Eric faced a hard choice.  Get insurance or eat.  The family opted for food.  

Eric Gray got his Phd.  But just days before he could take a job that would provide him with insurance coverage, he learned his son, Eric, jr. had cancer.  After one hospital stay, two weeks, the bill was $43-thousand dollars.