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 cost-sharing fees. It directly affects people enrolled in private insurance, Medicare, Medicaid, and other government health programs by mandating that these plans cover the medication, related lab tests, and follow-up care without requiring prior approval. The law also prohibits insurance companies from denying life, disability, or long-term care insurance to individuals taking HIV prevention medication and requires a public education campaign to increase awareness about the medication.