During a town hall meeting at Duluth City Hall, Teri Haapala stood up to tell her health care story. Unfortunately, Teri's story is all too familiar for many Minnesota families. Teri's husband recently retired. Without employer-based health coverage, Teri needed to buy health insurance on the individual market. But when she began shopping for insurance, Teri learned her premiums would increase 85 percent. Her deductible also increased 900 percent — meaning Teri had health insurance, but she could not afford to use it.