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What do you need to know about health insurance for human immunodeficiency virus (HIV)?

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You can find out your HIV status for free. Under the Affordable Care Act (ACA or Obamacare), most insurance plans cover HIV testing for people ages 15 to 65 as well as others at increased risk of HIV -- and no co-pay is needed. Many clinics also offer free HIV testing.

If you're concerned that a positive result will mean you can't get health insurance, ACA also ensures that you can't be denied coverage or dropped from your coverage because of HIV.

From: HIV Testing: What You Need to Know WebMD Medical Reference

SOURCES:

CATIE: "Detecting HIV earlier: Advances in HIV testing."

CDC: "HIV Testing," "HIV in the United States: At a Glance," "PEP."

AIDS U.S. Department of Health and Human Services: "HIV Testing." info,

Aids.gov, U.S. Department of Health and Human Services: "The Affordable Care Act and HIV/AIDS."

Reviewed by Minesh Khatri on August 14, 2018

SOURCES:

CATIE: "Detecting HIV earlier: Advances in HIV testing."

CDC: "HIV Testing," "HIV in the United States: At a Glance," "PEP."

AIDS U.S. Department of Health and Human Services: "HIV Testing." info,

Aids.gov, U.S. Department of Health and Human Services: "The Affordable Care Act and HIV/AIDS."

Reviewed by Minesh Khatri on August 14, 2018

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THIS TOOL DOES NOT PROVIDE MEDICAL ADVICE. It is intended for general informational purposes only and does not address individual circumstances. It is not a substitute for professional medical advice, diagnosis or treatment and should not be relied on to make decisions about your health. Never ignore professional medical advice in seeking treatment because of something you have read on the WebMD Site. If you think you may have a medical emergency, immediately call your doctor or dial 911.

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