Starting next week, millions of uninsured Americans are encouraged to go to the marketplace to find a policy or face a fine.
Right now when Miles Tate visits the doctor's office, he doesn't just fork over a co-pay. He pays the entire bill out-of-pocket.
"I try to stay healthy. I try to avoid unnecessary visits to the doctor," Tate said.
Tate was on his parents' health insurance policy until he was 26. Now at 28, as a full-time student, he can't afford health insurance.
"If I wanted to get on a real plan you're talking $400 - $500 to get a decent health plan where my prescriptions would be covered and my doctor's visits," Tate said.
Tate does worry about what would happen if he got seriously ill or was in an accident.
"I'd be in debt. That's the bad thing. You always run that risk. It's like rolling the dice," Tate said.
He's heard a lot about health care reform. He's even checked out online calculators that can estimate the best plan for him and his costs.
"There's the Obamacare calculator and you can plug in your information and figure out what you would pay after subsidies and everything else. The idea is to make it affordable. I just don't know enough about what would be covered, what wouldn't be covered. It seems very vague everywhere I look and I get different answers for different health care professionals," Tate said.
He says even with tax subsidies, he's worried about having to buy it.
"I don't have an extra $100 a month. That's the problem with the whole situation. If I had extra money, I would surely have health insurance," Tate said.
Tate won't be signing up for insurance next Tuesday when the marketplace opens. Instead, he's going to wait a while to see how it goes.
"I can choose a government regulated health care plan through one of the major providers or I can pay a fine. I don't really like any of those options. I don't like the government saying you purchase one of these plans or pay a fine. I think that's intrusive," Tate said.
After March 31st, the penalty for not having health insurance is one percent of the uninsured's salary.