But one Evansville family is learning the Affordable Care Act might not be so affordable after all. Joshua Nichols says he had trouble from the beginning, trying to work through the healthcare.gov website issues. His family decided to go through an insurance broker, completed the application process and got enrolled.
Since then, he says he's made three monthly premium payments of a little more than $200 each. He says Monday he opened a letter from his carrier that said it had dropped his two sons from the coverage.
According to Nichols, the letter also said his monthly premium payments increased from $200 to $1200.
"My house payments not even that much. For us it was just astronomically high," says Nichols.
Thinking it was a mistake, Nichols called his carrier to resolve the issue -- but to no avail. He says the carrier couldn't explain the sudden changes.
"You're kinda just left hanging," said Nichols. "Why did these things happen? You're not given answers and I'd like to just be able to know something."
Fueling his frustration -- Nichols has two sons, both with special needs. He's afraid the sudden loss of coverage will affect his children's medical care.
"We were told when we started that kids would never be turned down for insurance coverage and that's not what we're finding out," says Nichols.
With seemingly no solution in sight, the Nichols family is heading back to square one.
It's unclear how many other families could be experiencing this same problem. According to the Miami Herald, new research estimates that about half of those with subsidized coverage obtained from federal or state market places will lose it within a year because of changes in their incomes or other family circumstances.
The problem in this case is that the Nichols family says they're not being told why their coverage changed.