NEW YORK—Friends of part-time graphic designer Keith Hayes reported Tuesday that they listened uncomfortably as the 26-year-old described the horribly depressing specifics of the health insurance he receives through the Freelancers Union. "Each detail was more pathetic than the last, from the $150 co-pay he’s charged for one of his medications, to the pre-existing condition and pre-certification inquiries he constantly has to deal with," said friend Kelly McGrath, adding that she winced when Hayes mentioned his plan’s $2,500 annual deductible. "And the most heartbreaking part? He's paying more than $400 a month for this—trust me, if there were some way I could list him as a dependent, I would." McGrath later admitted that this wouldn’t do Hayes much good, since she herself isn’t able to afford health insurance of any kind.