Critical care nurse Janet Kerrigan was stunned to discover in 2011 that she had multiple myeloma, an incurable blood cancer, and she only had a year or two to live. A crucial stem cell transplant in 2012 prolonged her life — but her private insurance carrier stuck her with 20% of the nearly million-dollar tab. Then came the pharmacy bill. She was put on Revlimid, a pricey prescription drug that activates the immune system to fight cancer cells. Her co-pay was a whopping $11,000. “This is a drug