PrEP Access and Coverage Act of 2026

This bill, the PrEP Access and Coverage Act of 2026, requires most health insurance plans to cover HIV prevention medication without charging patients any out-of-pocket costs. It directly affects people with private insurance, government health programs like Medicare and Medicaid, military health care, and the Indian Health Service. The law mandates that insurance companies cannot require pre-approval for these medications, cannot charge deductibles or copayments for them, and cannot deny or charge higher premiums for life, disability, or long-term care insurance based on someone taking HIV prevention medication. The bill also creates a new public education campaign to increase awareness about HIV prevention options and provides federal funding to states and community organizations to expand access to these services.