“I was a little more cautious. I wasn’t trying to be out skiing or doing anything dangerous. I was conscious even in the gym,” Bello says. Still, he describes his choice as liberating. “I really felt empowered just knowing all of a sudden, my monthly and quarterly outlay for my medication and health care just got cheaper immediately.”Although Bello was only given 10 days of coverage after the layoff, it wasn’t an impulsive choice. The 33-year-old performed a cost–benefit analysis, weighing the price of insu ...