evidence: The Affordable Care Act (ACA) provides Americans—including those with and at risk for HIV—better access to health care coverage and more health insurance options. [...] More affordable coverage. To help people access quality, affordable coverage, the ACA created the Healthcare.gov Marketplace (and some state-run Marketplaces, sometimes called "exchanges") that help consumers compare different health plans and determine what savings they may qualify for. The ACA also provides financial assistance for people with low and middle incomes in the form of tax credits that lower the cost of their monthly premiums and lower their out-of-pocket costs. These tax credits depend on a family’s household size and income. In addition, Americans can apply for free or low-cost coverage through Medicaid and CHIP at any time, all year. If you qualify, coverage can begin immediately. [...] The ACA expands the capacity of the healthcare delivery system to better serve all Americans, including those with and at risk for HIV. For example: