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HB 200

AN ACT TO AMEND TITLE 18, TITLE 29, AND TITLE 31 OF THE DELAWARE CODE RELATING TO INSURANCE COVERAGE FOR TREATMENT TO PREVENT HIV INFECTION.

153rd General Assembly (2025-2026) Introduced by Darius Brown and 12 co-sponsors

Delaware mandates insurance coverage without cost-sharing for HIV prevention medications (PrEP/PEP) to improve access and reduce transmission risk.

Passed By House. Votes: 39 YES 2 ABSENT
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WeVote Research Nonpartisan
Bill Summary · HB 200

Legislative bill overview

HB 200 amends Delaware insurance law (Titles 18, 29, and 31 of the Delaware Code) to mandate insurance coverage for HIV prevention treatments. The bill specifically addresses pre-exposure prophylaxis (PrEP) and post-exposure prophylaxis (PEP) medications and related medical services without cost-sharing barriers like copayments or deductibles.

Why this is important

HIV prevention medications are clinically proven to reduce transmission risk by over 99% when taken as prescribed, but cost remains a significant barrier to access. Mandating insurance coverage removes financial obstacles for eligible Delawareans, potentially reducing new HIV infections and associated long-term healthcare costs. This aligns Delaware with federal guidelines and similar state laws aimed at expanding preventive health access.

Potential points of contention

  • Insurance cost implications: Insurers may argue that mandating coverage without cost-sharing increases premiums for all policyholders, though advocates counter that prevention reduces downstream treatment costs
  • Access equity questions: The bill covers insured populations but may not address uninsured or underinsured Delawareans, raising concerns about creating a two-tiered system
  • Medication eligibility criteria: Disputes may arise over who qualifies for coverage (risk-based vs. universal eligibility) and whether the bill creates clear clinical guidelines or leaves discretion to insurers

Compiled from official sources — confirm details with the bill’s official record.

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