Schultz says despite increasing penalties for people who don't sign up, young and healthy people aren't buying ACA insurance.
The result is the ACA is covering mostly the elderly and sick people with pre-existing conditions.
"It's a little bit like somebody wrecking their car on a Monday then buying insurance to cover their wreck on Tuesday," Schultz said.
"I certainly am not one who is interested in wanting to rip apart Obamacare because we have a risk pool problem," said Jefferson. "We definitely have a risk pool problem," he said.
The federal government is paying part of the costs or subsidies for more than 80 percent of ACA members in both Kansas and Missouri.
Enrollment is up in 2016 compared to 2015 in both states.
And according to a recent Bloomberg report, 77 percent of enrollees will still be able to find a plan for under $100 a month.
But Schultz fears if costs keep rising and the number of providers keeps dropping, the ACA could collapse.
"I think that it could," he said. "I'm very concerned about that."
"I'm a sickness away or my wife is a sickness away from going to the poor house I guess because the cost of the insurance is so great," said Goodman.
Goodman took his concerns to Missouri Senator Claire McCaskill's office.
Goodman says after months of trying to get action from that office, he says one of the senator’s representatives from her Kansas City office told him nothing could be done to help him.
Sarah Feldman, a spokeswoman for McCaskill, provided this statement:
“Our office had been in regular communication with Mr. Goodman to address his specific concerns with his premiums and the Affordable Care Act—and we take very seriously our work serving Missourians. While the law has brought health insurance to millions who would never have had it before, it is not perfect, and Claire has worked hard to improve it. She believes we’ve got to make commonsense reforms to the law to make it work better for folks like Mr. Goodman who are unable to find a good option—but those reforms can only happen with the cooperation of her colleagues in Congress who only want to repeal the ACA with no plans to replace it.”
Since Goodman spoke to 41 Action News, his wife found a solution to their family's problem.
She took a new job and put the whole family on that company's health insurance plan.