So I’d imagine that if I were ever involved in some freak accident and needed to cover my hospital fees, I’d be relieved to realize that my $250 monthly insurance payment would leave me with an affordable co-pay and months of bed rest.

But no freak accident has come from my two-year stint in New York, so every time I get notified of my Fidelis auto payment, I wince. “Who are you, and why are you taking all my money?” I ask the faceless entity draining my account.

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