This article has a follow-up update on the bottom. I realize this is the buzzword of the 2020 election, universal healthcare, but I am here to tell you that we need to do something about it and soon. As you may have read, I returned from Europe about a year ago after a 5-year stint. I have been blessed to have been privately insured through my employment for most of my adult life. Before I left, my run-ins with an insurance representative were minimal with 1 exception. A...