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Real members of myHIVteam have posted questions and answers that support our community guidelines, and should not be taken as medical advice. Looking for the latest medically reviewed content by doctors and experts? Visit our resource section.

Medical Coverage

A myHIVteam Member asked a question 💭

My life has been seriously interesting in the last 48 hours.
I accepted a new job (contract)
In a new field that I’ve been trying to get into for almost a year.

As it’s a contract position there aren’t any benefits. Which is terrible.

I live in a conservative state. ART isn’t covered by Medicaid.

Anyone know or have experience with Obama care?

I need insurance.

December 16, 2025
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Answer Summary

Members rallied around someone navigating insurance coverage for HIV medication after accepting a contract job without benefits, sharing both... Read more

Members rallied around someone navigating insurance coverage for HIV medication after accepting a contract job without benefits, sharing both the sticker shock of marketplace plans (premiums ranging from $800 to nearly $2,000 monthly) and crucial resources many wished they had known about sooner. Several members strongly recommended applying for the Ryan White program or ADAP (AIDS Drug Assistance Program), contacting local HIV or LGBTQ centers for case management support, and reaching out directly to Gilead (the manufacturer of Biktarvy) for patient assistance programs that can provide medications at no cost. A recurring theme was the importance of comparing all options, acting quickly before enrollment deadlines, and considering relocation to states with stronger safety nets if local resources fall short.

A myHIVteam Member

If the Congress doesn't come up with something for help with the marketplace subsidies, it will price you out of a paycheck. MY premium NOW is $917 on the marketplace and that IS WITH THE SUBSIDY. Yeah they had cheaper plans but this plan covered everything I needed. Without the subsidies being renewed, it's going from $917 a month to $1,974 a month. So now I am going through my employer. You only have until December 19 to get marketplace maybe it was the 15th, I don't know. But I'd checkout insurance companies websites as well. You might find a better deal on plans there than on the marketplace. Whatever you do, COMPARE, COMPARE, COMPARE.
Also, discuss this with your medical Case manager, you should be able to qualify for Ryan White program, that helps get you covered.

December 16, 2025
A myHIVteam Member

Apply for Ryan White. There should be an Aids Health Foundation in your area.

December 17, 2025
A myHIVteam Member

yes the drug manufacturers offer assistance as well. go to their website.

December 17, 2025
A myHIVteam Member

Cover all your bases including call the pharmaceutical company that makes Biktary and explain their situation because they usually have a charity program that they can give you the medication for free I'm looking at my bottle It looks like it's produced by Gilead and they're based out of California.

December 17, 2025 (edited)
A myHIVteam Member

@A myHIVteam Member
I’m am more than happy to accept the help.
I want to say I’ve connected with them before, and I reach out to them this morning. Just haven’t received a response back.

I also called my infectious disease Dr and left a message as well.

Nothing yet

December 17, 2025

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