David Goldhill (second from left) talks with Dan Hilferty of Independence Blue Cross, Kevin Nazemi of Oscar Insurance and Sam Nussbaum of WellPoint in a conversation about health costs. Moderator Avik Roy is at far left. Glen Davis/Forbes hide caption

itoggle caption Glen Davis/Forbes

MIT economist Jonathan Gruber testifies Tuesday before the House Oversight Committee. He apologized for his comments on how the Affordable Care Act was created. Molly Riley/AP hide caption

itoggle caption Molly Riley/AP

Andres Cuartas got help from an agent last March when he signed up for health insurance at a Miami mall. In the last year, the percentage of women who are uninsured has dropped more than the percentage of uninsured men. Joe Raedle/Getty Images hide caption

itoggle caption Joe Raedle/Getty Images

Don Benfield is trying to get health care coverage for his family. The options at work are too expensive, but his employer's option disqualifies him from Affordable Care Act subsidies. Courtesy of Don Benfield hide caption

itoggle caption Courtesy of Don Benfield

Leaburn Alexander works two jobs and does not have health insurance. It takes him three hours to commute home from the job he works as an overnight hotel janitor. Lisa Morehouse/KQED hide caption

itoggle caption Lisa Morehouse/KQED

Superintendent Alberto Carvalho of Miami-Dade County Public Schools says he knows how much gets paid out in health care claims, but the school system's insurance carrier, Cigna, won't disclose the charges. Lynne Sladky/AP hide caption

itoggle caption Lynne Sladky/AP

Dr. Oliver Korshin says he's just a few years from retirement and can't afford the flurry of technology upgrades the federal government expects him to make. Annie Feidt/Alaska Public Media hide caption

itoggle caption Annie Feidt/Alaska Public Media

Lee Ann Johnson, director of the Missoula Indian Center, encourages Native Americans in Montana to enroll in private coverage through Healthcare.gov at an outreach event on Saturday, November 15. Eric Whitney hide caption

itoggle caption Eric Whitney

Victoria Elizabeth Fischer was presented with a white coat by her grandfather, Dr. Christian Van Den Heuvel, at Georgetown University School of Medicine in August. The ceremony marks the start for each new class of medical students. Lisa Helfert/Courtesy of Georgetown University hide caption

itoggle caption Lisa Helfert/Courtesy of Georgetown University

People wait to enter an Affordable Care Act enrollment event sponsored by SEIU-United Healthcare Workers West and Community Coalition in Los Angeles. Healthcare.gov's second enrollment period opened Saturday. More 100,000 people applied in the first day. Michael Chavez/AP hide caption

itoggle caption Michael Chavez/AP

Insurance companies negotiate with hospitals and doctors the price of every treatment, procedure and medical service. That price differs from hospital to hospital — even health plan to health plan. Vincent Wartner/Science Source hide caption

itoggle caption Vincent Wartner/Science Source

The second open enrollment period for buying health insurance under the federal Affordable Care Act starts Saturday. Don Ryan/AP hide caption

itoggle caption Don Ryan/AP