This is just about as good an explanation as I've seen about why we need health care reform and why the government needs to be involved. I know at least one family where bankruptcy was the only alternative after a serious illness while they were "covered" under an employers health plan. I had a bout with melanoma late last year where a large patch of skin was removed from my arm along with some lymph nodes in my shoulder. The cost deductible had to be met for each discipline of the medical procedure instead of what one (a non medical type person like myself) would expect. The bottom line was thousands out of pocket.
Almost everyone I know is one major medical event from being bankrupted regardless of their "coverage". This is not a good system.