Years ago, my doctor prescribed oral contraceptives after I was hospitalized from a ruptured ovarian cyst. I had insurance through my employer at the time and paid a modest monthly copay of $10. When we switched insurance plans during an enrollment period, my coverage lapsed and I had to pay out of pocket for the medication. The snafu was quickly resolved but it was important information, a quick glimpse of the kind of expense I’d incur if I didn’t have a job, or the kind of job that would allow me to contact someone without taking time off work or fearing retribution from my employer to resolve the matter. I worked really long hours then, probably about 80 and ...