Leslie tries to throw a garage sale to help Jerry pay for his medical bills because the government insurance plan is so bad. She goes on to describe how the Pawnee Municipal Employee Health Care Plan is so bad that she was denied coverage on a sprained wrist because they believed having a wrist was a pre-existing condition.
Andy hits his head against the wall, but can’t afford to go see a doctor. He hasn’t had insurance for two years because he thinks he only needs it for when something bad happens. Moral hazards often arise when one party takes on more risk because they are insured.