The coverage of HIV-related care continues to vary by state. However, plans sold through the Marketplace have to cover a minimum set of essential health benefits. These benefits include prescription drugs, mental health care, and chronic disease management.

The Affordable Care Act also prohibits insurers from placing lifetime and annual dollar limits on essential health benefits. This means you can no longer “max out” of care that you need. Because benefits vary by plan, we encourage you to take advantage of free help (either in-person or by phone) from a trained assister to help you consider your options.