Why This Family Struggled to Secure Health Insurance Under Obamacare for Their 4-Year-Old Son

When Lindsay Franks received a letter from the Department of Health and Human Services’ health insurance marketplace in January, she was certain it was a scam.

“Important,” the letter read. “Respond within 60 days to keep your Marketplace health coverage.”

The message, dated Jan. 13, 2015, looked official, with the federal marketplace’s logo pasted in the upper left-hand corner. But the letter asked Lindsay to provide documentation for her husband, Nikolas, and 4-year-old son, Pierce, to verify their citizenship. This seemed off to the young mother and wife: Nikolas and Lindsay were born
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