Keith Ward, from left, Deborah Owens, and Gwen Vinson help clients navigate the Affordable Care Act and choose the right plan at Urban Ministries in Raleigh, N.C., on Oct. 30, 2013. (Robert Willett/Raleigh News & Observer/MCT)
Keith Ward, from left, Deborah Owens, and Gwen Vinson help clients navigate the Affordable Care Act and choose the right plan at Urban Ministries in Raleigh, N.C., on Oct. 30, 2013. (Robert Willett/Raleigh News & Observer/MCT) MCT
Keith Ward, from left, Deborah Owens, and Gwen Vinson help clients navigate the Affordable Care Act and choose the right plan at Urban Ministries in Raleigh, N.C., on Oct. 30, 2013. (Robert Willett/Raleigh News & Observer/MCT) MCT

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