High costs alone are enough to make anyone dizzy. How can health care and health insurance be understood now when tight budgets are presenting tougher and tougher choices to individuals and policy makers? One answer is to step back and take another look at what quality research says about the costs and benefits of health and health insurance and match those facts and figures with experiences among Arizonans. This report does just that. It also presents recommendations that could help Arizona fare better in the coming years. Money may make the world go round, but choices determine the future. In addition to reviews of state and national economic studies, focus groups and interviews were held with metro Phoenix and metro Tucson residents who did not have, or recently lost, health insurance. Participants’ own words are used throughout the report to illustrate a variety of research findings.