Bill > HB200

This bill mandates that all individual health insurance policies, contracts, and certificates in Delaware must cover medically necessary pre-exposure prophylaxis (PrEP) and post-exposure prophylaxis (PEP) treatments, which are medications used to prevent HIV infection before or after a potential exposure, respectively. Importantly, this coverage must be provided without any cost-sharing requirements, such as deductibles or copayments, and without requiring prior authorization or step therapy, which are processes that can delay access to medication. The bill also applies to certain state-administered health plans and includes provisions for catastrophic and high-deductible health plans to ensure compliance with federal laws like the Affordable Care Act and Internal Revenue Code, while generally prohibiting unreasonable delays in coverage decisions. These new requirements will take effect for policies renewed, modified, or reissued after December 31, 2027.