Dawn Josephson could barely believe it when she found health insurance that would actually cover the cost of treating her young son’s eye condition. Josephson, a freelance editor, wife and mother of two in Jacksonville, Fla., had been spending as much as $1,000 a month of her family’s budget on surgery, doctor visits, tests, and treatments in the seven months since 2-year-old Wesley awoke one morning with his eyes pointed toward each other, a condition called strabismus. That was on top of the...