. >> reporter: when steven crayne thought about starting his own web design business seven years ago after a career in merchandising and marketing, one of the biggest concerns was health insurance. >> and i was always deathly afraid of it because, one, you know, you know, i need healthcare benefits. >> reporter: over the past four years, the 62-year-old, who lives in gainesville, georgia, s had skin cancer removed from his fa twice. he's on routine medication for underlying health conditions and he provides health insurance for his wife and son. so when crayne launched his business in 2014 he eventually started looking to get insurce on his own. he turned to the federal marketplace created by the affordable care act, or a.c.a., the 2010 healthcare law commonly known as obamacare. he was nervous, though, since all he had heard were negative things about the marketplace. >> so, when i called a.c.a., i was like, wow. they were really, really helpful. we went through the deductibles and everything. and together we found the right plan. >> reporter: so it came as a shock to crayne when he