Denise Johnson works two jobs, but neither of them offers health insurance to part-timers like her. She signed up for a marketplace plan this year, but for routine medical care Johnson still goes to the free clinic near her home in Charlottesville, Va.
The problem is her plan's deductible of at least $1,000. She can't recall the precise figure, but it doesn't really matter. "It's absolutely high," said Johnson, 58. "Who can afford that?" She struggles to pay her $28 monthly premium.