Paula is 54 years old. She and her husband live in Joplin, MO. Paula works for the Joplin school district and has access to insurance through her employer. Luckily, Paula is in good health. But, her husband had a heart attack five years ago and needs to see a cardiologist regularly. Because Paula’s employer provides insurance and her husband is able to join her plan, he is no longer eligible for Marketplace subsidies. Paula pays $120 for her monthly premium and $867 for her husband’s monthly premium. Her husband worked at a small mechanic shop they owned, but had to close as business slowed. Paula works two jobs and has considered getting a third.