Many Americans cannot afford health insurance and are shoveling out thousands of dollars on doctor visits because of it.
That makes health insurance impossible for a lot of families.
The Affordable Care Act is supposed to change that, but few people have been able to find out if that's true.
"I was under my parents health insurance until I turned 18. But since 18, I haven't had health insurance at all," says Nicole Brumley, a hairdresser and single mom.
She says she can't afford health insurance. "If I am sick, I just have to go to urgent care of the E.R. and pay thousands of dollars to see a doctor."
And she's worried the Affordable Care Act insurance plans won't actually be affordable.
"It's really hard to budget in $300-400 dollars a month for something that you don't know if you really need or not. That's hard to budget in when you're trying to make ends meet."
She says when she goes to the doctor she pays out of pocket.
"Pay that price and they bill you later seems to be the most feasible thing."
Compare Missouri and Arkansas plans and find answers to common questions about the Affordable Care Act and links to the exchange site
And because of health issues, she's forced to suffer or pay the price.
"I've had kidney stones in the past, it's not really an issue, but it's something that does cost money. I feel like I have to wait until it gets really bad because I don't have a primary care physician and I don't have insurance."
Nicole tried to register on www.Healthcare.gov Tuesday, but because of glitches in the system -- something many people have been experiencing this past week -- she was unable to.
If you can't get into the website www.Healthcare.gov, here's another one (http://kff.org/interactive/subsidy-calculator/) that might give you an idea of what you'll be paying.
It will ask you questions like where you live, your income, and your health history. Based on Nicole's estimate, she would be paying about $360 per year for the premium.
"I want it to be completely fair to every American and there are a million people out there or more in my same position."
If you do not currently have health insurance, you have until December 15th to sign up for the new policies that go into effect on January 1st.
Even if you don't sign up by then, the enrollment period for the first year extends into March.
After that, you're looking at a penalty. In 2014, the fine to remain uninsured is $95 a person. But that penalty will increase sevenfold in the next two years, running as high as $695 per person by 2016.
This tool illustrates health insurance premiums and subsidies for people purchasing insurance on their own in new health insurance exchanges (or "Marketplaces") created by the Affordable Care Act (ACA).
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