Americans who have insurance are increasingly turning to charity as a lifeline, as a revolution in health insurance has driven up deductibles more than threefold over the last decade.
, 1 in 5 brand-name prescriptions filled by someone in a commercial health plan now involves a coupon provided by a drugmaker.“I’ve had a job all my life,” said John Macan, 41, who works at a digital sign company. “I’ve never had to rely on others.”
Bo developed chronic inflammations in his lungs and liver. At 4, he suffered his first seizure, nearly died from a massive infection and spent more than 200 days in the hospital. But he can’t play kickball or roughhouse with classmates at recess. He stays home during flu season because a simple cold can land him in the hospital.
That’s often been a challenge for the Macans, who have an income of $85,000 a year for the family of six. And last fall, one of Carolyn’s friends from high school set up a GoFundMe campaign that brought in $18,548 from 511 donors. Top-performing campaigns often featured middle-class families who suffered an unexpected setback. They showcase arresting photographs, invite viewers to join an online “team,” and provide frequent updates to a wide social network.
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