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Free Access to HIV Prevention Medication (PrEP) and Coverage Act

This act ensures that HIV prevention medication and related medical services are provided at no cost to patients under most health plans. It also protects individuals from being denied life or disability insurance simply for taking preventive medicine.
Key points
Zero cost-sharing (no copays or deductibles) for PrEP drugs, laboratory tests, and clinical follow-up visits.
Prohibition on life, disability, and long-term care insurers from denying coverage based on PrEP use.
Insurers cannot increase premiums or change policy conditions solely because an individual takes HIV prevention medication.
Enhanced privacy protections ensuring family plan members can access prevention services without the primary policyholder being notified.
A private right of action allowing citizens to sue insurance companies in court for violations of these new rights.
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Status:
Introduced
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Additional Information
Print number: 119_S_3990
Sponsor: Sen. Smith, Tina [D-MN]
Process start date: 2026-03-04
System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.
Summarized by: gemini-flash-latest
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

PrEP Access and Coverage Act of 2026

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_S_3990.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2026-03-04.

What are the main provisions?

Key points include:

  • Zero cost-sharing (no copays or deductibles) for PrEP drugs, laboratory tests, and clinical follow-up visits.
  • Prohibition on life, disability, and long-term care insurers from denying coverage based on PrEP use.
  • Insurers cannot increase premiums or change policy conditions solely because an individual takes HIV prevention medication.
  • Enhanced privacy protections ensuring family plan members can access prevention services without the primary policyholder being notified.
  • A private right of action allowing citizens to sue insurance companies in court for violations of these new rights.
What is the specific legal status?

The current status is Introduced.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Sen. Smith, Tina [D-MN].

What is the latest detailed status?

The latest detailed status is: Introduced in Senate

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2026-03-19.

What is the impact of this bill?

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

CATEGORIES

Health