Heather and Greg Mroz can certainly appreciate the health care debate. The two have been insured and uninsured at different times in their lives. Earlier this year Greg was laid off. Knowing Heather was pregnant with twins, he arranged to continue their coverage with the same provider. They paid insurance premiums directly to the company. The insurer took the money, but after the delivery, they refused to pay the claim. And it is a lot of money: more than $450,000.