When Brad Stevens was young, his only "health insurance" was taking tons of vitamins and spending three hours at the gym every day. But after a serious bike accident and an expensive battle with thyroid cancer, the 59-year-old realized nobody's invincible. Heidi de Marco/Kaiser Health News hide caption

itoggle caption Heidi de Marco/Kaiser Health News

Christine Moyer checks out options at a health insurance enrollment fair on March 18 in San Francisco. Justin Sullivan/Getty Images hide caption

itoggle caption Justin Sullivan/Getty Images

Yudelmy Cataneda, Javier Suarez and Claudia Suarez talk with insurance agent Yosmay Valdivian at a session to sign up for health insurance in a Miami mall March 20. Joe Raedle/Getty Images hide caption

itoggle caption Joe Raedle/Getty Images

DeLisa Tolson signed up for health insurance at a retail store set up by Connecticut's exchange. She says she was so happy with the experience, she told all her friends. Jeff Cohen/NPR hide caption

itoggle caption Jeff Cohen/NPR

America's Health Insurance Plans President and CEO Karen Ignagni says she would loosen regulations on which insurance plans comply with the Affordable Care Act by adding a "lower tier" option that could entice healthier people. Manuel Balce Ceneta/AP hide caption

itoggle caption Manuel Balce Ceneta/AP

Becky Fink, a MNsure navigator, helps Mic-Ryan Freeman, 22, fill out a paper application for health insurance in February at Nucleus Clinic in Coon Rapids, Minn. Jennifer Simonson/MPR News/ Photo courtesy of Minnesota Public Radio News and NPR-Kaiser Health News-Member Station Reporting Project. © 2014 Minnesota Public Radio hide caption

itoggle caption Jennifer Simonson/MPR News/ Photo courtesy of Minnesota Public Radio News and NPR-Kaiser Health News-Member Station Reporting Project. © 2014 Minnesota Public Radio