Kristine is 39 years old and married with four children. She and her husband own their own business and were uninsured for a time. They were quoted monthly fees of over $600 when they tried to get health care, even though both were healthy. They went during the first day of open enrollment in the Marketplace in 2013 and found that they were also eligible for subsidies. Now both of them have insurance for only $105 per month.