For most of his life, Carl Goulden had near perfect health. He and his wife, Wanda, say that changed 10 years ago. Carl remembers feeling, "a lot of pain in the back, tired, fatigue, yellow eyes — a lot of jaundice."
Wanda, chimes in: "Yellow eyes, gray-like skin." His liver wasn't working, she explains. "It wasn't filtering."
Carl was diagnosed with hepatitis B. Now 65 and on Medicare, he had a flower shop in Littlestown, Pa., back then, so had been buying health insurance for his family on the market for small businesses and the self-employed.