Joanna is currently a graduate student with limited financial resources. Due to her past health and financial experiences, she values insurance and understands the benefits it can provide in the event of an emergency. Currently, she experiences constant back pain due to a back injury from October 2012. Joanna says that the Marketplace allowed her to, “get affordable coverage with the peace of mind that in the event of an emergency, I wouldn’t have high medical bills.” For Joanna, insurance is a necessity. The Marketplace allowed her to view plans where she could continue with her therapy and provider visits in hopes to fully recover from her back injury.