No we fucking don't need better "health literacy!" What we need are for regulators to crack down on these abusive business practices -- and by "crack down" I mean "put insurers out of business entirely and switch to single-payer" -- and for articles like this to quit fucking victim-blaming!
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yes. there is this wierd idea in the us like everyone has to be hypercompetent. the default should not be lets teach folks how to redress issues. it should be lets make a system that has little to none of these issues with a well publicized number listed on every record that people can talk to someone who will help them get it sorted with the very few that might come up because our goal is a well working system.