Informational pamphlets are displayed during an enrollment fair on the last day before the sign-up deadline at the Bay Area Rescue Mission in Richmond, Calif. Justin Sullivan/Getty Images hide caption

itoggle caption Justin Sullivan/Getty Images

Tammy Boudreaux (right) with her partner, Laura Perez. Boudreaux is weighing the cost and benefits of purchasing health insurance. Courtesy of Tammy Boudreaux hide caption

itoggle caption Courtesy of Tammy Boudreaux

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

itoggle caption Pauline Bartolone/Capital Public Radio

Millions of people who rely on check-cashing stores, like this one in New York City, could run into trouble buying health insurance. Mary Altaffer/AP hide caption

itoggle caption Mary Altaffer/AP

Deb Waldin testifies about her experience with a debt collector at a Minnesota hospital during a hearing led by Sen. Al Franken in St. Paul, Minn., in late May. Minnesota Public Radio/Jeffrey Thompson hide caption

itoggle caption Minnesota Public Radio/Jeffrey Thompson

Dr. Mitch Katz rides his bike to work, defying the commuting norm in Los Angeles. Michael Wilson/L.A.County Health Services Dept. hide caption

itoggle caption Michael Wilson/L.A.County Health Services Dept.