Jean Chaude from Belgrade, Maine, has health insurance. As a small business entrepreneur, Jean used to sell antiques and volunteer with her church until she developed chronic arthritis and pulmonary problems. She buys private insurance, for which her premiums have risen 80 percent in the last four years and she has a $5,000 deductible. She quickly meets her deductible because just one of her medicines costs $1,800 a month--with insurance. In Maine where, like many heavily rural states, priva