My husband and I have always been small business people; which we loved working hard and creating and helping companies grow. The problem with being an entrepreneur in today's world is health insurance. We make too much money to qualify for finical assistance and not enough money to pay the high premiums for quality health insurance. I have talked to so many friends who have $5,000, $ 10,000 or even higher deductibles and still pay hundreds of dollars a month in premiums. Most of the people I know that have insurance would be financially destroyed if they were hit with a $10,000 or more hospital bill. My husband sold a company and missed the window for open enrollments and on December 20, 2017, I began looking for health care. My family did not qualify for any of the programs on the healthcare exchange website that offers multiple different government programs. Even though I was willing to pay a large premium amount I still could not enroll in health care because it was outside of open enrollment. On January 16,2018, my husband had a massive heart attack and died; which later I received $125,000 in hospital bills. A new widow with 2 children, no health insurance, no life insurance, a loss of income and now a huge hospital bill. Even now the government does not recognize the death of a spouse to qualify as a change of life event to enroll in a health insurance program. I know this problem needs to be addressed at a national level but on a state level we need to look at options to make affordable health care for all. Our Health insurance policies on a state and national level really need to be addressed.