At Blue Cross and Blue Shield headquarters in Eagan, Minn., the losses on the sale of insurance plans to individuals led to a change in course. Jim Mone/AP hide caption

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Jim Mone/AP

When deductibles and copays are high, quite a few people with insurance turn to free clinics for care. Jens Magnusson/Ikon Images/Getty Images hide caption

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Jens Magnusson/Ikon Images/Getty Images

People with diabetes who sign up for an Aetna insurance plan focused on diabetes care can get blood sugar meters and test strips free of charge. iStockphoto hide caption

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Secretary of Health and Human Services Sylvia Burwell talks before a Capitol Hill hearing Wednesday with Rep. Paul Ryan, R-Wis., as Rep. Pat Meehan, R-Pa., looks on. Getty Images hide caption

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People protesting against the Affordable Care Act rallied outside the Supreme Court in March, before arguments in the second major challenge to the law. Jim Lo Scalzo/EPA/Landov hide caption

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Jim Lo Scalzo/EPA/Landov

Opponents of the Affordable Care Act protest outside the Supreme Court Wednesday before oral arguments in the second major challenge to be heard by the justices. Jim Lo Scalzo/EPA/Landov hide caption

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Jim Lo Scalzo/EPA/Landov

Speaker of the House John Boehner, R-Ohio, leaves the chamber Feb. 3 after another House vote to repeal the Patient Protection and Affordable Care Act. J. Scott Applewhite/AP hide caption

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J. Scott Applewhite/AP

Jose Ramirez and Mariana Silva speak in December with Yosmay Valdivia (right), an agent from Sunshine Life and Health Advisors, at the Mall of the Americas in Miami about plans available from the Affordable Care Act. Joe Raedle/Getty Images hide caption

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Joe Raedle/Getty Images

Hear Nina Totenberg and Julie Rovner explain the decision on Morning Edition.

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This flea market in Colorado Springs and the Obamacare exchanges are versions of the same thing — marketplaces where sellers display wares and shoppers browse and buy. www.csfleamarket.com hide caption

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www.csfleamarket.com

How Health Insurance Exchanges Are Like Flea Markets

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The tax penalty is designed to encourage people to sign up for health insurance. iStockphoto hide caption

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You Might Pay A Lot More Than $95 For Skipping Health Insurance

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