Let’s resist temptation to do the “if only consumers do that” story and instead sit down with real people like Frank Lalli and learn how they make choices and what barriers they encounter. That’s the story. It offers interesting narrative while making the larger point that it’s damn hard to be the perfect shopper when it comes to health insurance.

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Trudy Lieberman is a fellow at the Center for Advancing Health and a longtime contributing editor to the Columbia Journalism Review. She is the lead writer for The Second Opinion, CJR’s healthcare desk, which is part of our United States Project on the coverage of politics and policy. Follow her on Twitter @Trudy_Lieberman.