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 Charlottesville, Virginia, home.
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.