Signing up for health insurance under the Affordable Care Act is fairly simple. The website seems to be functioning now, and if you’re computer-literate or have good help, creating an account and shopping for insurance is doable. At least, that’s the experience SDPB’s Victoria Wicks had when she went through the process. But as she learned while researching the marketplace, not all low-income applicants qualify for subsidies. There’s a gap in coverage for certain low income people in South Dakota, created where state and federal governments collide.