4 of 9
BACKNEXT
Fran Barker: $198
Fran Barker: $198
Fran Barker, with her husband, Phil Amoureux.
Age: 62
Occupation: Upholstery patternmaker
Hometown: Lake Forest Park, Wash.

I work at home making cushions, pillows, etc. for homes and boats. I have a little shop called "Gallerie Franzhiska," which is named after my grandmother.

When my last employer hit bad times, I loaned them money, and held onto paychecks. They rewarded me by not paying my insurance for four months and didn't let me know they had stopped paying. So my insurance was effectively canceled, and I when I found out, even the time period to sign up for COBRA benefits had lapsed.

After a couple of months, we were able to talk the insurance company into reinstating my insurance. Unfortunately, the only plan I can afford is the lowest-price HMO, at$198 per month. The HMO negotiates lower fees with local doctors, and I pay all of that reduced rate. It would be more than $400 a month to have insurance with co-payment; I can't afford that while I am starting a business.

If I ever hit the $2,500 annual deductible, then the insurance would cover 50% of just about everything. There is no coverage at the dentist or eye doctor.

My husband was in marketing for remodeling companies and lost his job, too. He's back in school to become a massage therapist. We aren't able to afford medical insurance for him, so because he is younger we have our fingers crossed and are watching the President's attempts at restructuring health care.

My thoughts on universal health care: I am hopeful because we can't afford health care. My niece, who is living with us while going to school can't afford insurance, either.

NEXT: Pamela Sinclair: $585

Last updated May 01 2009: 12:50 PM ET
More Galleries
Cars that sold for millions at the Scottsdale auctions These were the highest prices paid for collectible cars -- and a bus -- at the Scottsdale auto auctions. More
The best of SkyMall This catalog is always packed with ridiculous items that we just can't live without. More
Blue collar entrepreneurs These five entrepreneurs took their blue collar experience and used it to launch innovative businesses. More

Special Offer

Most stock quote data provided by BATS. Market indices are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer.

Morningstar: © 2015 Morningstar, Inc. All Rights Reserved.

Factset: FactSet Research Systems Inc. 2015. All rights reserved.

Chicago Mercantile Association: Certain market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved.

Dow Jones: The Dow Jones branded indices are proprietary to and are calculated, distributed and marketed by DJI Opco, a subsidiary of S&P Dow Jones Indices LLC and have been licensed for use to S&P Opco, LLC and CNN. Standard & Poor's and S&P are registered trademarks of Standard & Poor’s Financial Services LLC and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC. All content of the Dow Jones branded indices © S&P Dow Jones Indices LLC 2015 and/or its affiliates.