Candidates' reliance on more insurance won't solve the health-care crisis

In the midst of the presidential primaries, voters may wonder how to distinguish among the contenders on the critical health-care issue.All the top-tier candidates favor selling more private insurance, which misses the crisis faced by millions. Just ask Gina Dooley of Albuquerque.“I found out when I was 36 weeks pregnant that my unborn daughter had a lung tumor,” she said. “With this advance knowledge of the care and attention we would need, we did a lot of research and had a lot of contact with our insurance company. I was working for a pharmaceutical company and had the best medical coverage available.“After several second opinions, we were told by our insurance company that only one hospital in town would be covered. We went to that hospital and had a month of treatment, surgery and bills. Months later we learned that the NICU (neo-natal intensive care unit) team was not part of our insurance network, although they were the only doctors available in the hospital we had no choice but to go to.“Because the doctors were out-of-network, we paid 90 percent of all our bills after meeting our $1,200 hospital deductable. Five days after my daughter was born, she had major surgery resulting in a $100,000 bill.

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