A big I-Team investigation found your heath insurance company can cancel your coverage without telling you. Now, a proposed change to state law could keep you from getting stuck with sky-high medical bills. Dan Szerbowski of West Bend is used to squeezing into a cat scanner, lately, just for check-ups. Szerbowski's been cancer-free for more than a year. "Things are looking good right now, expect for this money on my back," said a healthy Szerbowski. That monkey: a six-figure medical debt. Before Szerbowski had surgery to get the cancer out, he gave St. Joseph's Hospital what he figured was a valid insurance card. "I was lying in my bed when I got a phone call to my room from the billing department at the hospital," Szerbowski explained. "That's when they said they're having issues with my insurance." Months before Szerbowski got sick, his boss at Newburg Tile, Howard Bruss, bounced the check he wrote to secure health insurance for his employees from United Healthcare. When that happens, it's like the policy never existed. "We just were in shock." said Sharon Szerbowski, Dan's wife. "We couldn't believe that he let this happen." In a letter to Bruss, United Healthcare told him he needed to tell his workers that they didn't have insurance. United Healthcare didn't tell Szerbowski directly, because it didn't have to. In Wisconsin, if your group medical coverage gets cancelled, state law says the employer, not the insurance company, has to notify employees. The Szerbowskis swear Bruss never said a word to anyone. "We talked every day. Nobody let me know," Dan said. The I-Team got a hold of the cancellation notice United Healthcare sent Bruss two months before Szerbowski got sick. With it was the other letter Bruss was supposed to give his employees. That second letter warned, "all covered members in your group have been cancelled," and "you will be responsible for any claims for health services incurred by you or your dependents." The I-Team showed Bruss those letters last April. "I'll tell you right now, I don't know what this is. I've never seen that in my life," Bruss said. Bruss went on to say that had he went to the hospital last at the same time as Szerbowski, he would have thought his insuranace was valid, too. Whatever he thought, Bruss' bad check sucked the Szerbowskis into a financial black hole. "It's frightening it's very very frightening,” said Sharon Szerbowski. “I don't ever see an end. I don't know how we'll ever, ever pay for this." "It's outrageous, heartbreaking, it should never happen anywhere, said Representative Jon Richards, who chairs the House Healthcare Committee. “It certainly shouldn't happen here in Wisconsin, and we need to do something about it." After we told Richards about Szerbowski's case, the Senator wrote up a bill which would require the insurance companies to notify every member of a group medical policy directly of any change in coverage. “The employees would know exactly what their coverage status is,” explained Wisconsin Commission of Insurance Sean Dilweg. Dilweg says Richards’ proposal would keep others from ending up in the same boat as Dan Szerbowski. Plus, if the bill passes, Dilweg’s office could go after insurance companies that still keep customers in the dark. "They would be protected,” said Dilweg. “There would be penalties in place, the full force of my office would be behind enforcing such violations." Szerbowski's family just hopes the bill get passed before anyone else gets jammed up the same way. "Right now, he'd be sitting in a completely different boat if he just got one phone call from somebody at United Healthcare saying, ‘You know what? We revoked your policy,’" said Szerbowski’s stepdaughter, Jennifer Schmidt. But Szerbowski, finally healthy and back at work --this time for himself-- still deals with all those bills just like his days: one at a time. "You can't let it get to you everyday,” Szerbowski said. “I'm just glad I'm alive. We got the cancer when we did and there's a lot of people that got it way worse than me." Richards says he plans to introduce his bill this week, but making it’s way through the Legislature could take several months.