I never thought much about health insurance until I was T-boned at 50 mph. The wreck totaled my car. It deployed all of the airbags, burst all of the windows on the left side, and displaced the entire engine from the nose of my Honda CR-V. If the driver of the other car had hit me just a few inches lower, I likely wouldn’t have been so lucky.

There had been mild pain in my back for about two months, but the crash increased it threefold. It was after this that I took my first real visit to a chiropractor and physical therapy clinic, but I only paid for two visits before I dropped out.

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