If you don’t have health insurance, you may be putting your health and finances at great risk. There are several available options to make health insurance more affordable, including subsidies and Medicaid. The ACA’s ten essential benefits provide coverage for preventive care, which may help treat a disease before it becomes an emergency. If you don’t have health insurance, your only access to treatment may be the emergency room (ER), which can be ten times the cost of a primary care doctor or your entire insurance policy.