Mike Smith is a no-nonsense guy, a thickly built construction worker with a square jaw and steady eyes. So he gives a no-nonsense answer when asked about how he handles health care for himself, his wife, and two teenage kids. "When we go to a doctor, we've got to pay for it," he says. Lacking health insurance, he pays out-of-pocket and takes his medical problems not to a family physician but to an emergency room, where the medicine is expensive and, says Smith, "the... More >>>