Mika was working and had health insurance through the Affordable Care Act, which provided a $100 a month subsidy for her premium. The coverage paid off in 2016 when she had appendicitis and it took care of her $40,000 in medical bills.

But in 2018, she was injured in a car accident and forced to stop working. To her shock, since she wasn’t working, she was no longer eligible for ACA’s marketplace subsidy and her insurance costs more than doubled.

She had to drop the coverage and because Florida is one of 12 states that has not expanded Medicaid insurance under the ACA for low-income adults, Mika was left with no way to get insurance.