Katie has had asthma for most of her life, which counted against her as a pre-existing condition. Once she graduated from college and was off her parents’ insurance, she had to search on the private market. She could only get catastrophic insurance, which only partially helped with her prescriptions. Not having a comprehensive plan meant Katie delayed or avoided the doctor and preventive care. Through the Marketplace, she was able to find a much better and more affordable insurance plan. This means that her asthma medication is now affordable, she is finally able to go to the doctor for preventive care, and she can seek emergency care with fewer worries.