Ken sells homeowners and auto insurance. He'll also sell the occasional health insurance policy too—but he has reservations. Compared to the other products he sells, Ken, of Fayetteville, WV, says the coverage offered by individual health insurance plans is so poor he hesitates to promote them. What if his customers think all of the other policies he sells are so limited and unreliable?

In fact, Ken and his wife Kathy have a health insurance policy through the carrier he uses, and between the $500 monthly premiums, a $5,000 deductible, and no coverage for preventative care, he's come to the conclusion that "health insurance is confusing for everyone and it is not a level playing field." This coming from a guy that sells it.

Read more of Ken's story, and visit the Cover America Tour Web site to see more videos of the people we've talked to across America and to share your own health care story. And read our six tips for buying individual health insurance.