Commentary: Health insurance, not health care, needs reform

A family member became seriously ill last year. After some initial tests, a malignancy was diagnosed. Surgery was scheduled, followed by chemotherapy. Everything proceeded mostly as planned, with no medical hiccups. We are both well-educated, with backgrounds in medicine, health economics and risk analysis, which should have prepared us to maneuver the requirements of our health insurance provider and ensure that copays and pre-authorizations were handled as necessary.