As President Obama prepares to sign the health care reform bill into law,
people here in Eastern Kentucky are wondering how it will affect them.

Amber Abner is just one of the thousands of Kentuckians without insurance.

Her husband gets insurance through his work, her son has K-CHIP, but Abner has to pay up if she needs to see a doctor.

"If something was to flare up, here I am... stuck. I don't know what to do," said Abner.

Just last week Abner had her gall bladder removed.

Thanks to some programs, she didn't have to pay the total bill, but much of these expenses were out of pocket.

She likes the idea of health care reform, but worries there is a catch.

"Everyone won't have to worry as much if something happened to them, but then you have to think who is paying for it?" said Abner.

Jim Brown Supply Store in Middlesboro has close to one dozen employees... all covered under the company plan.

But manager Doug Knuckles says that's getting more and more difficult.

Knuckles says by April, his health insurance cost to make sure all his employees are covered could increase more than 30 percent. He says he is not sure what he will do.

"I really can't afford a 31 percent increase. We are going to have to change plans or let our employees participate," said Knuckles.

Knuckles says he has always paid for his workers health insurance.

He wants it to say that way.