In essence they are squeezed off of insurance and then become forced into state programs for health care which are paid for through taxation of all of us. Generally larger group policies offer or afford more protection to the individual, although I have seen situations where the insurers facing huge costs from HIV care have withdrawn insurance from the entire state of California. There are many things that people infected with HIV can do to protect themselves from opportunistic infections. Most opportunistic infections seem to be associated with the consumption of water or exposure to birds and can be remedied by drinking only reverse osmosis water or boiled water. Secondly, food seems to be a source and should be cooked.
Ice can present a source of cryptostordium diarrhea.
Which is very debilitating and quite often lethal. But avoidable if one watches the source of their water. Well water is quite dangerous. Cryptostoridium is not killed with chlorine treatment. You have to stage yourself and see how much immunologic harm you've experienced.