Jeff Jeans (Sedona, AZ) is self employed and when he was diagnosed with cancer, he knew this his junk health insurance plan that he knew would not cover his illness when he became very ill. His wife had received treatment that cost thousands of dollars out of pocket under the same policy. Jeff Jeans knew his insurance would not save him when he found out he had throat cancer. He knew that because when his wife had an illness, it cost them thousands out of pocket—about two-thirds of the bill. Jeans and his wife pulled together enough money for his cancer treatment, but without an insurance provider that could cover unforeseen emergencies, no one would treat him.