Mounting medical debt and struggles with insurers led Shelley Toreson to drop her health insurance. She now pays discounted rates upfront for her medical needs. Pauline Bartolone/Capital Public Radio hide caption

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Speech-language pathologists Jill Tullman (left) and Mendi Carroll (right) work with Bryce Vernon at Talking with Technology Camp in Empire, Colo., on July 25. Kristen Kidd/KCFR News hide caption

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In case of emergency, go to the strip mall or the hospital? iStockphoto.com hide caption

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The new health law has left some 20,000 workers on Capitol Hill unsure of their health care options for the coming year. Dwight Nadig/iStockphoto hide caption

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