The ACA is good when you actually reach out to a patient care “assister” for support. You can get rates WAY lower than advertised if you work with someone who can help navigate it. I think the program is actually tremendous, but it’s been made intentionally cumbersome and difficult to use by the folks trying to kill it. I’ve used it twice while out of work back in 2016 and again over the pandemic and had completely free plans that covered my “tier 3” prescriptions and specialist (rheumatology) appointments.