PrEP Access and Coverage Act of 2026

Section 3 ensures that private insurance plans, Medicaid, CHIP, Medicare, and other federal health programs cover FDA-approved HIV prevention drugs, administrative fees, related laboratory procedures, and clinical follow-up without cost-sharing or deductibles, making essential preventive care much more affordable and accessible for individuals.

Section 4 protects individuals by making it unlawful for life, disability, or long-term care insurance policies to deny coverage, limit coverage, or increase premium rates solely because a person is taking medication to prevent the acquisition of HIV.

Section 5 establishes public health and provider education campaigns directed by the Centers for Disease Control and Prevention to increase awareness of PrEP and PEP safety, effectiveness, and local availability, specifically focusing on culturally competent outreach within high-need communities of color and the LGBTQ community.

Section 6 protects patient confidentiality by requiring the Secretary of Health and Human Services to amend HIPAA regulations so that individuals using family health plans can access HIV prevention benefits without other individuals or primary policyholders on the plan being informed of that use.

Section 7 authorizes a grant program for States, territories, Indian Tribes, and directly eligible nonprofit entities to establish and support PrEP and PEP programs, increasing access and outreach for uninsured and underinsured individuals.