dan runs tease hair studio. it s in the trendy bay view neighborhood in milwaukee. he estimates it takes about six of these hair cuts to pay his monthly medical insurance bill. how long do you think you want to go in the long run? reporter: 300 bucks is a big expense for dan and he s relatively healthy and he s self-employed and doesn t want to tempt faith. having grown up with a father who had cancer. reporter: amy is a stay at home mom in suburban milwaukee. her son, spencer, has severe autism. are you ready? it s time to work. reporter: he s covered through a government program. bye. reporter: but no health insurer will cover amy and her husband, chris. they do have a steady income. they pay their bills but were rejected because of past health