. >> michael chadwick is all for obama care insurance, but the man hatthe manhattan realtor says he could not mak his payments. >> 2015 i started doing well and business startrted to pick up. the affordable health care act doesn't take into account that small business owners may not have consistent income. >> they signed up for 2016 exchange plans by late december. that is well below the 20 million expected to sign up byy year three of obama care. analysts say cost remains an issue. >> manyiddle income people continue to suggest that exchange plans just are not affordable for them even with the subsidies, they simply can't make the monthly premiums work in addition to all of the out of pocket costs. >> insurers are seeing higher costs. a dozen nonprofit co-op insurers are out of business, and united health says they may stop selling exchange plans next year. >> people are reconfiguring their products. what we're going to know next year is what works and what doesesn'n't. >> a budget deal delay could help with prices in 2017. but the real key is getting more healthy people to stay enrolled