This bill, titled the PrEP Access and Coverage Act of 2026, aims to significantly expand access to pre-exposure prophylaxis (PrEP) and post-exposure prophylaxis (PEP) medications to reduce HIV transmission. It seeks to achieve this by mandating comprehensive insurance coverage and eliminating financial barriers for individuals seeking these vital prevention tools. For private health insurance, the bill requires coverage of all FDA-approved HIV prevention prescription drugs, including associated administrative fees, laboratory procedures, and clinical follow-up, without any cost-sharing . This mandate extends to grandfathered health plans. Furthermore, it prohibits imposing preauthorization requirements for these services, allowing an exception only if a therapeutically equivalent drug is covered without preauthorization. The legislation extends similar comprehensive coverage requirements to federal health programs. It mandates that the Federal Employees Health Benefits Program, Medicaid, and the Children's Health Insurance Program (CHIP) cover HIV prevention services, including drugs and related care, without cost-sharing . Medicare Part B will cover HIV prevention services with no coinsurance or deductible, and Medicare Part D will eliminate deductibles and cost-sharing for HIV prevention drugs. Coverage is also expanded for military and veteran populations, with the Department of Veterans Affairs (VA) eliminating copayments for HIV prevention medications and related diagnostic procedures. The Department of Defense (DoD) TRICARE program will provide coverage for HIV prevention treatment without any cost-sharing requirements. The Indian Health Service is also directed to provide funding for these services without limitation. Beyond health coverage, the bill prohibits discrimination in other insurance sectors. It makes it unlawful for life, disability, or long-term care insurance providers to deny or limit coverage, or increase premium rates, solely because an individual is taking medication for HIV prevention. To enhance public understanding and uptake, the bill establishes two key education campaigns. The Secretary of Health and Human Services, through the CDC, will launch a public health campaign to educate the public on HIV prevention medications, focusing on safety, effectiveness, and countering stigma. This campaign will be culturally competent and developed in collaboration with organizations from communities disproportionately affected by HIV. A parallel provider education campaign will target prescribers and health professionals, led by the CDC and HRSA. This initiative aims to increase awareness and readiness among healthcare providers to offer PrEP and PEP , with an emphasis on high-need communities, and promote cultural competency. The bill also establishes a grant program to support PrEP and PEP services, awarding grants to states, territories, Indian Tribes, and directly eligible entities. Eligible expenses include the prevention drugs themselves, administrative fees, diagnostic procedures, clinical follow-up, and crucial outreach and adherence services. To protect patient privacy, the Secretary of Health and Human Services is directed to amend HIPAA regulations to ensure individuals can access PrEP/PEP benefits under a family health plan without other enrolled family members being informed. The Departments of Health and Human Services, Labor, and the Treasury will monitor compliance with the new coverage requirements, collect annual data from health plans, and report noncompliance to Congress, with a private right of action also provided. Most provisions are set to take effect for plan years beginning on or after January 1, 2027.