Julie has a Master’s degree and was a teacher for years, which provided her with excellent health benefits. After being unemployed for a year, she now works as an Office Manager at a local rental office making $8 an hour. Julie works full-time but cannot afford to see a doctor. Finding work in her county at a decent wage is difficult. She is even contemplating moving to look for better work. While Julie is healthy and rarely gets sick, she knows that without insurance she would be in trouble in the case of an emergency.