Please understand that there are parents of very, very sick children reaching out to me for advice right now and I've got nothing – there's nothing I can tell them to protect their kids.

Even the usual, pre-ACA advice (get to the largest, good employer you can, if you're married make sure you're at two different employers/two different insurers) is basically impossible in this pandemic / recession hellscape.

There are people who don't love their children – there are people who wouldn't expend even minimal effort to protect their children, to keep them safe.

And then there are the rest of us who aren't mere animals.