Tammy is a 42-year-old mother of four who works full-time as a nail technician. Before the Affordable Care Act, she never had health insurance because it was cost-prohibitive for her. Now, thanks to the Marketplace, Tammy was able to get in-person help from a navigator and buy a Coventry plan that covers herself and two of her dependents for about $70 a month. Although neither Tammy nor her kids have any health problems, she is glad to be covered for the first time. Thus, Tammy says she is very happy and pleased with her plan.