Georgia's malpractice crisis has created a hospital version of gambling. One rural hospital, Evans Memorial in Claxton, decided to "go bare" - have no coverage at all - instead of paying what it considered an exorbitant premium. Then there's the largest hospital in the state, 953-bed Grady Memorial, whose health system has bought a new policy - with a deductible of $15 million. On each paid claim below that mark, Grady is responsible for every dollar. The two hospitals have reached perhaps the extreme of the medical malpractice insurance squeeze, in which hospitals are paying more for less coverage.