He has since gotten two part-time jobs at a wine shop and with a distillery. He doesn't yet qualify for insurance at either.

He has tried to look for other, more affordable ways, such as exercise, to manage his depression and anxiety. His goal was to eventually stop taking the medication. Klotz just never knew he would have to do it so quickly. Luckily, his psychologist charges a reduced rate for visits.

Klotz had insurance growing up and visited the doctor regularly. As an adult, he has been without insurance more than he has had it.

Obamacare and the possibility of getting coverage again is refreshing for Klotz.

"I want reform to happen," he said. "Hopefully, I will finally be able to get a decent plan."

Sometimes, the idea also seems to be to good to be true.

"I am excited about it, but then start to wonder if it is false hope," he said. "You don't want to get too excited in case it doesn't happen."

Affordability is still a concern for Klotz. A couple hundred dollars a month is about all he can spare. And that will really cut into his lifestyle, Klotz said.

But he knows as he gets older health insurance is more important than ever. Klotz is pretty healthy now, but knows that may not always be the case. Since getting married, he feels more of an obligation to take care of himself for his wife.

"I am in my 30s now," he said. "I know there comes a time where you can't go without it. When you're younger you're not as worried about it."

Breha Brehon

Breha Brehon found out she no longer had health insurance when she went to fill a prescription.

The second-year psychology major at The Community College of Baltimore County was caught off guard when the pharmacist said her insurance had been denied. She thought she was covered under her dad's plan.

Brehon had to pay $90 dollar out-of-pocket for her medicine – a lot of money for a college student with a limited income. The Baltimore resident was used to paying $10 with insurance.

Her dad later called the insurance company and was told that 18-year-old Brehon was too old to be on his policy.

Under Obamacare, adults can stay on their parent's plan up to age 26, but under certain circumstances there is an exception for grandfathered plans in place before March 2010. They don't have to offer it if the youth can get insurance through an employer. That exception disappears when health reform is fully implemented Jan. 1. In the meantime, most insurance companies have already begun to allow young adults to enroll on their parents' plan.

Brehon is one of the unfortunate ones that may have gotten caught in the transition. But she's not sure. She works part-time in the bakery of a grocery store, but doesn't think she qualifies for a health plan there. She is confused why she would have been dropped by her father's plan.

She would like to get coverage, but doesn't know where to start or if she could even afford it.

"I don't know even know how to look for insurance," she said.

She's heard all about Obamacare, but didn't think about it herself until she became one of the country's millions without insurance. But once again she doesn't know how to navigate the system. She plans to do some more research and see if she can get eventually get back on her father's plan.