Chris Raymond is a bartender in Boston. He makes between $600-800 a week. But like 45 million other Americans, he has no health insurance.
"It's just a huge chunk of money for me to just throw into something that I may not really need," he says.
And as a 29-year-old single guy, he says, there are better things for him to do with his money.
"Skiing," he says. "I love to ski."