“I feel like I’m in labor all of the time,” Reed said.

The 49-year-old single mother says she hasn’t stopped bleeding since February. She has nearly a dozen growths on her uterus and ovaries. And one twisted ovary, she says, gives her pains comparable to child birth. A hysterectomy and cyst removal would fix Reed’s problems, but the surgery costs $30,000.

Until this month, Reed was listed as having no health insurance. But she has paid seven months’ worth of premiums to Nevada Health Link, the market place through which consumers buy subsidized insurance under the Affordable Care Act.

“It’s like paying for car insurance and getting into an accident to find out you don’t have coverage,” Reed said.

It bears repeating: Coverage does not equal care.