When it comes to spooky, bats and ghosts are kids' stuff. Maybe they're good for a goosebump or two, but what'll really wake you up screaming in the night is...

Being turned down for a pre-existing condition? Terrifying.

Being told your insurance company won't pay for treatment you need? Horrifying.

A 300 percent increase in premiums in just a decade? Spine-tingling.

This Halloween, we at Working America didn't mess around when it came to scary pumpkins. Our trick-or-treaters are going to come face to face with real fear when they see these pumpkins staring out from our porches.