Answer:
The Bottom Line
However, those who don't have insurance coverage will be at a much greater disadvantage. The inability to seek treatment for health conditions, the crushing weight of medical bills, and the substantial tax penalty for being uninsured are three good reasons to obtain coverage.
When Ivan developed an illness, his character developed from being self-centered to being compassionate. By facing his own death, he began to examine his life. Gerasim, the one who helps Ivan during his sickness, was also a factor to his character development.