I get my insurance by doing things like this:
As it says at the end, life is full of chocolate surprises.
Since commercials generally like people to look the same on both sides, and also successfully walk into the room to audition unaided, I was on hiatus all summer post-surgery and only recently started auditioning again. Because of this, I have not earned enough money to remain in the top tier of insurance and have been unceremoniously dropped to the second tier. Grrr. I have another employer from whom I could receive insurance, but then I run the "pre-existing condition" risk.
Further investigation required to see what this will mean for next year's surgery. There is an option to pay more with my current insurer (of course) to remain in the top tier, but (of course) it's an enormous amount per month - over $800 more (of course). Essentially, just more pain in an area that's already in spasm half the time. Also, if I work enough between now and surgery, there's a chance I would return to my former heights of insured glory.
The more laissez-faire you can be going into an audition, the greater chance you have of booking the job. Usually people are driven to get all hyped up and over-perform due to an intense desire to succeed as an actor. I just want to get the metal out of my leg. Maybe I should bring in a "Will Work For Surgery" sign.