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Bill

HB 2769

Life or health insurances; unfair discrimination, pre-exposure prophylaxis for prevention of HIV.

2025 Regular Session Introduced by Elizabeth Bennett-Parker and 10 co-sponsors

Bill would have barred health insurers from discriminating against individuals using HIV-prevention medication PrEP, but was vetoed by the Governor and veto was sustained.

House sustained Governor's veto
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Bill Summary · HB 2769

Legislative bill overview

HB 2769 would have prohibited health insurers from discriminating against individuals based on their use of pre-exposure prophylaxis (PrEP), a medication that prevents HIV infection. The bill aimed to ensure that people taking PrEP for HIV prevention could not be denied coverage, charged higher premiums, or subjected to other unfair insurance practices based solely on their preventive medication use.

Why is this important

PrEP is a medically recommended preventive treatment, but some insurers have historically used PrEP use as a proxy for sexual orientation or behavior to discriminate in coverage decisions. This bill would have removed a potential barrier to HIV prevention by protecting access to insurance for people using this proven public health intervention, potentially reducing stigma and increasing preventive care adoption.

Potential points of contention

  • Insurance risk assessment concerns: Insurers may argue they need to consider all relevant health factors in underwriting decisions, and that restricting their ability to evaluate PrEP use limits their traditional actuarial practices
  • Cost implications: Questions about whether mandating PrEP coverage without discrimination could increase insurance premiums for all customers
  • Scope of anti-discrimination protections: Disagreement over whether preventing discrimination based on PrEP use is a health equity issue or an overreach into insurance underwriting standards

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

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