Sandy and Charlie Murphy never imagined that paying for health care could
put everything they owned at risk.
In 2002 the Murphys and their two sons were living a comfortable
middle-class life in Scottsdale, Arizona, where Charlie, now 59, worked as a manager for
Charles Schwab and where Sandy,
now 60, was a part-time child advocate for the state. Then, in rapid
succession, Charlie got laid off; Sandy quit to care for a son with health
problems; Charlie discovered that his new employer set a $100,000 cap… more
