With businesses struggling under the financial burdens associated with COVID-19 and pressures to keep their workforce intact while maintaining health benefits for employees, the fall-out of this pandemic is raining down hard upon individuals and families. On the darkest side, many are facing illness and hospitalizations exacerbated by work furloughs, and millions of people are losing their health insurance coverage completely. For those workers lucky enough to retain their jobs, many have no choice but to accept diminished coverage, increasingly higher deductible plans and extraordinary out-of-pocket expenses for medical services and products.