My family insurance hops. I’m self-employed, and my husband works in film production. When he’s accrued enough hours, we qualify for union insurance; otherwise, we try to find the best value for our family of five. This means that we change insurance about every six months. And it wreaks havoc on our medications: The last time I went to the pharmacy to fill an antibiotic prescription, the pharmacist wanted to charge me $1,200. Twelve. Hundred. Dollars. Needless to say, we went without, until we could get another prescription for meds covered by our new insurance. But my experience is not uncommon. According to SIRUM, a new non-profit that’s working to make…