My husband started working in the US over 15 years ago on a H1B visa. He was always covered for medical expenses by his employer. I however had been a seasonal worker for a couple of years and had experienced the difficulty in getting individual coverage. I had used Planned Parenthood for most of my regular checkups. After we married, Michael wished to be seasonal like me which we didn't see as a problem, but due to a blood disorder called Factor 5 Lidein, no one would insure him. The first time we have both had insurance together in many years is due to the inclusions of ACA, and no penalties for pre-existing conditions. I cannot imagine going back to non coverage now.. the older you get, the riskier it is.
Liz B., Seattle, WA