After his sister nagged him for eight years to go to the doctor, Kurt Berger finally had a physical late last year. Then in January, he received a phone call from his doctor: Tests showed he had prostate cancer. He feared he was going to die. "I just put the phone down and went in my bedroom and started to cry," says Berger, 58. But he felt some relief that at least he had health insurance. Since Berger doesn't receive insurance through his job as a maintenance worker at a church in Baltimore, Maryland, he'd purchased a policy on his own. "I thought at $76 a month, this is pretty good," Berger remembers.
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