Dr. Dahlia K. Remler is a health economist and professor with a PhD from Harvard. He is supposed to be an expert on health insurance and its complexities. Her difficulties show how hard it is—even for someone who has studied health-care and insurance issues—to navigate the healthcare marketplace, particularly when you have a serious medical condition. While choice may be great, negotiating through it is daunting and it seems unlikely to remedy what ails our healthcare system.