While rolling silverware at the City Diner in St. Louis, waitress Rachel Bingham recalled her attempt to buy health insurance for herself and her five-year-old daughter last year. She said when she signed on to Healthcare.gov, she realized she couldn't afford it.
"They were wanting $231 a month. That was not doable," Bingham said. She’s been paying out-of-pocket for doctor’s appointments ever since: $60 for primary care, $200 for the dentist. Luckily, her daughter’s a healthy kid, she said.