Javier Villa (right) with his wife and son in their home in Puerto Rico.
Javier Villa has worked at his family’s used car dealership in San Juan, Puerto Rico, ever since he finished high school.
Villa, 35, always assumed the insurance plan he had through work would take care of him and his family. But a couple years ago, he ran into a problem.
He was taking a shower one morning when he noticed a lump on the side of his throat. “Very big, like maybe a tennis ball,” he says.
Villa was diagnosed with Hodgkin’s lymphoma and was put on chemotherapy. The cancer treatment didn’t work, and his doctor told him he needed a bone marrow transplant. But there was a catch — his insurance didn’t cover the procedure.
“The transplant here costs $125,000,
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