Who: Phillip MacDonald, 26.

Circumstance: After four years in the Army, Phillip is in his second quarter studying media art and animation at the Art Institute of Seattle.

Challenge: Phillip is concerned about the cost of health insurance and he believes that government has no business telling him that he has to buy insurance. “I feel that nationalized health care is a good thing,” he says, “but I don’t like how they’re going about it with this. As a citizen I should have the choice of who I go with and if I choose not to get insurance.”

He suspects that the Affordable Care Act (ACA) hasn’t been well researched, and he’s concerned it could lead to higher prices. “If Obamacare comes in and starts making insurance companies lower their prices, then maybe I might be able to find insurance that I want,” he says. “But this theoretical stuff shouldn’t be just pushed out there to see if it works. It’s not going to be in the best interest of the nation if it goes out there and starts failing …”

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Current coverage: None.

Options: Phillip says he’s going to pass on buying insurance.

“If it comes down to where I am in an accident or something like that, I will deal with the penalties at that time,” he says. “As far as I’m concerned, I’m still an American citizen and I have the right of choice. I fought for the country and I believe that I should be able to decide on where my money goes.”

— Patrick Marshall