NY Times: Looking at Costs and Risks, Many Skip Health Insurance

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LOUISVILLE, Ky. — Steve Huber, an affable salesman who is still paying off an unexpected medical bill, was not among the millions of Americans who signed up for health insurance under the Affordable Care Act during the enrollment period that ended March 31.

After seeing television ads for Kentucky’s new online insurance marketplace, Mr. Huber, 57, made several attempts to explore the website but found it too complicated. Moreover, his income has dropped in recent years, he said, and he felt certain that he could not afford coverage. So he never priced plans or researched whether he qualified for financial assistance.

“I realize that I’m gambling,” he said, stopping at a coffee shop before a sales call. “But I don’t have a lot of patience, and I’m on a pretty tight budget anyway.”

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