Darlene Hawes lost her health insurance about a year after her husband died in 2012.
Hawes, 55, is from Charlotte, N.C. She ended up going without insurance for a few years, but in 2015 she bought coverage on HealthCare.gov, the Affordable Care Act marketplace, with the help of a big subsidy.
"I was born with heart trouble and I also had, in 2003, open-heart surgery," she says. "I had breast-cancer surgery. I have a lot of medical conditions, so I needed insurance badly."