Katie is a 33-year-old music therapist in St. Louis. She works three part-time jobs, one at a university and two at sheltered workshops, but none provide health insurance. As a result, Katie was uninsured for 3 1/2 years and received little medical care. Her endometriosis went untreated and she received little to no preventive care. In December 2013, Katie went to the Marketplace and found she qualified for discounts on both her health insurance premiums and out-of-pocket costs. She enrolled in a Silver plan for just over $100 a month with low deductibles and cost-sharing requirements. Katie’s coverage began on January 1, 2014, and she immediately began making appointments with a primary care physician and OB/GYN.