This legislation aims to significantly expand access to pre-exposure prophylaxis (PrEP) and post-exposure prophylaxis (PEP) , medications crucial for preventing HIV transmission, by mandating their coverage without cost-sharing across various health insurance plans and federal programs. It amends the Public Health Service Act to include FDA-approved HIV prevention drugs and associated services as preventive care for private insurance , explicitly prohibiting preauthorization requirements for therapeutically equivalent drugs and extending these provisions to grandfathered plans. The bill seeks to eliminate financial barriers, reduce stigma, and ultimately decrease HIV transmission rates across the United States. The bill extends similar cost-sharing elimination to numerous federal health programs, including the Federal Employees Health Benefits Program , Medicaid , and the Children's Health Insurance Program (CHIP) , where HIV prevention services become mandatory benefits. Under Medicare , HIV prevention services are added to Part B benefits, eliminating coinsurance and deductibles, and Part D will remove cost-sharing for prevention drugs. Furthermore, the Department of Veterans Affairs (VA) , Department of Defense (DoD) TRICARE program , and Indian Health Service are all mandated to provide these treatments without copayments or limitations. Beyond direct healthcare coverage, the legislation prohibits discrimination in life insurance, disability insurance, and long-term care insurance policies. Insurers are forbidden from declining or limiting coverage, precluding individuals from taking PrEP, or considering PrEP use when determining premium rates, thereby preventing unfair practices against individuals proactively managing their health. To increase awareness and reduce stigma, the bill mandates comprehensive public and provider education campaigns by the Secretary of Health and Human Services, through the CDC, focusing on the safety, effectiveness, and availability of PrEP and PEP. A new grant program will also support PrEP and PEP initiatives in States, territories, Indian Tribes, and eligible non-profit entities, specifically targeting uninsured and underinsured individuals and reducing disparities in care. To protect patient privacy, HIPAA regulations will be amended to ensure individuals can access PrEP/PEP benefits under a family plan without other family members being informed. The bill includes robust enforcement mechanisms , requiring federal agencies to issue guidance, monitor compliance, and provide technical assistance. Non-compliant plans and issuers will be identified in regular reports to Congress, and a private right of action allows aggrieved individuals to seek legal recourse for violations, with most coverage amendments taking effect for plan years beginning on or after January 1, 2027.