For patients, insurers must begin counting the coupons

COVID-19 is ravaging the nation — and taking a devastating toll on those living with chronic illnesses.

In New York City, our nation’s epicenter, 94 percent of those hospitalized with the virus had a major underlying health condition. It’s no wonder why many Americans with chronic diseases or high-risk conditions listed by the CDC are hesitant to venture outside, even as stay-at-home orders are lifted.

Add to this fear the economic damage that has been wrought. The national shutdown has shuttered countless businesses, placing tremendous strain on the personal finances of millions.

Inexplicably...