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If medication costs could interrupt your HIV treatment, contact your clinic, pharmacist or case manager promptly. Ask about insurance, your state’s ADAP and the manufacturer’s assistance programs. Eligibility, covered drugs and funding vary; assistance is not automatic. Florida’s ADAP Help Desk is 844-381-2327. Florida currently covers eligible medication and insurance cost-sharing, but not insurance premiums.[1][2][12]
Which door first?
A clinic benefits navigator can help you consider several options at once. Tell the team how much medication you have left and ask about immediate access while longer-term coverage is arranged. Do not wait for one application to fail before telling your prescriber you may run out.
- Insurance: ask about Medicaid or Marketplace eligibility. Having insurance does not necessarily exclude ADAP assistance; some states help with premiums or cost-sharing, but each state sets its coverage rules. Florida currently does not cover premiums.[1]
- ADAP. Your state's AIDS Drug Assistance Program, funded through Ryan White Part B, provides FDA-approved HIV medications to people with low income and limited or no insurance, and every ADAP must cover at least one drug from each class of antiretroviral[1].
- The manufacturer: patient assistance programs may provide free medication to eligible people without adequate coverage. Separate co-pay programs can help eligible commercially insured patients, subject to caps and exclusions. Ask about the program for your specific medicine.[2]
Independent foundations may help with insurance cost-sharing when a matching fund is open. Check both the insurance rules and the diagnosis or medication covered. Good Days’ HIV/AIDS Treatment & Prevention fund was listed as open when checked September 21, 2026, but that can change; its specific eligibility limits are summarized below.[3]
ADAP: the main safety net, and why state rules matter
ADAP is part of the Ryan White HIV/AIDS Program and provides covered HIV medications for eligible people with limited or no coverage. You must meet the program’s HIV, income and residency criteria. States set their own financial eligibility and formulary rules, so check with your state rather than assume you do or do not qualify.[1]
HRSA lists total Ryan White appropriations of $2,571,041,000 in FY 2026, unchanged from FY 2023–2025. Its ADAP line is $900,313,000, unchanged since FY 2019. Those figures describe federal appropriations; by themselves, they do not establish why a particular state changed eligibility or benefits.[4]
Free medication and co-pay help from the maker
Patient assistance programs and co-pay programs have different rules. Manufacturer co-pay programs generally require commercial coverage and exclude government-funded coverage such as Medicare and Medicaid. Free-drug programs use separate eligibility criteria; do not assume all Medicare beneficiaries are excluded.[15] The table summarizes HIV.gov’s January 2026 assistance snapshot. It is a starting point, not a guarantee of today’s eligibility or maximum award; confirm the current manufacturer terms, including exclusions and whether clinic visits or labs are covered.[14] ViiV’s March 2026 terms retain the listed caps but have additional restrictions, including limits for people using more than one program medicine.[6][2]
| Medication | Maker | Free-drug PAP income limit (uninsured) | Co-pay cap (commercially insured) | Phone |
|---|---|---|---|---|
| Biktarvy | Gilead | ≤500% FPL | $7,200/yr | 1-800-226-2056 |
| Genvoya | Gilead | ≤500% FPL | $7,200/yr | 1-800-226-2056 |
| Descovy | Gilead | ≤500% FPL | $7,200/yr (drug only — not visits or labs) | 1-800-226-2056 |
| Truvada | Gilead | ≤500% FPL | $7,200/yr (drug only) | 1-800-226-2056 |
| Odefsey | Gilead | ≤500% FPL | $6,000/yr | 1-800-226-2056 |
| Complera | Gilead | ≤500% FPL | $6,000/yr | 1-800-226-2056 |
| Sunlenca (lenacapavir, treatment) | Gilead | ≤500% FPL | $9,600/yr | 1-800-226-2056 |
| Dovato | ViiV | ≤500% FPL | $6,250/yr | 1-844-588-3288 |
| Juluca | ViiV | ≤500% FPL | $6,250/yr | 1-844-588-3288 |
| Triumeq | ViiV | ≤500% FPL | $7,500/yr | 1-844-588-3288 |
| Cabenuva | ViiV | ≤500% FPL | $13,000/yr medical + pharmacy cost sharing; up to $100 per treatment toward administration | 1-844-588-3288 |
| Delstrigo | Merck | ≤400% FPL | $6,800/yr | 800-727-5400 |
| Isentress | Merck | ≤400% FPL | $6,800/yr | 800-727-5400 |
| Symtuza | Johnson & Johnson | ≤300% FPL | $12,500/yr | PAP 833-742-0791 / co-pay 866-836-0114 |
| Prezcobix | Johnson & Johnson | ≤300% FPL | $7,500/yr | PAP 833-742-0791 / co-pay 866-836-0114 |
| Aptivus | Boehringer Ingelheim | ≤250% FPL | none | 800-556-8317 |
For medicines outside that federal snapshot, check the manufacturer directly. Yeztugo is for PrEP, not HIV treatment. Gilead lists up to $8,000 per calendar year for eligible commercially insured patients, including up to $100 per visit for injection administration; separate medication assistance may be available to eligible uninsured people.[14] ViiV’s Apretude co-pay limit is $7,850 per year, including qualifying administration assistance within that total. Merck’s Idvynso assistance page lists household income limits of $79,800 for one person, $108,200 for a couple and $165,000 for four, along with residency, prescription and coverage requirements; financial or medical hardship exceptions may apply to the insurance rule. Call 877-709-4455 for Idvynso. These figures are program criteria, not a promise of approval.[5][6][7]
One application, several manufacturers: HarborPath
HarborPath helps eligible uninsured people access participating manufacturers’ medications through a combined application process. It says approved prescriptions ship in under 48 hours; this is not a guarantee that medication arrives within 48 hours of applying. Delivery can be to your home or clinic. Enrollment may last up to six months and can be renewed if eligibility continues. Ask whether your medicine is available at 980-859-3483.[8]
Report changes in income or insurance to the assistance program. Enrollment is time-limited and subject to eligibility checks. Gilead, for example, says Medicaid or ADAP eligibility may affect PAP/MAP re-enrollment; ask the program and your care team to coordinate the transition before medication runs out.[16][2]
Co-pay foundations — check funding and eligibility
These assistance funds have diagnosis, income and insurance requirements. Funding status can change quickly, so verify eligibility and current enrollment before relying on an award.
- Good Days: the HIV/AIDS Treatment & Prevention page was open on September 21, 2026 and lists a $2,100 assistance amount. It requires income at or below 500% FPL and government-sponsored insurance covering at least 50% of treatment cost, plus its other requirements. Confirm current eligibility and funding at 877-968-7233.[3]
- Patient Advocate Foundation Co-Pay Relief: check its HIV/AIDS and Prevention Health Equity Fund page for current enrollment, geographic and financial criteria. Confirm current availability directly before relying on an award.[9]
- HealthWell: its HIV/AIDS wasting-syndrome and anorexia fund is specific to those indications and Medicare beneficiaries. The linked fund page lists an $8,000 maximum and phone applications, but its English link now redirects to the homepage. Confirm current availability, covered treatment and eligibility at 800-675-8416; a published maximum is not an approved award.[10]
If these routes do not cover your medication, ask a Ryan White clinic or case manager to review other available assistance. Participation in the 340B drug-pricing program gives eligible providers discounted purchasing; it does not by itself guarantee free prescriptions for every patient.[17][1]
Florida: current ADAP coverage and funding limits
Florida changed ADAP eligibility and benefits in early 2026, followed by legislative funding measures. For an individual coverage decision, use the current Department of Health rules and ask the program to confirm your status; do not rely on a headline about a past cut or restoration.[11]
HB 697, approved March 24, 2026, provided $30,901,933 in nonrecurring bridge funding and a 400% FPL definition through June 30, 2026.[13] Chapter 2026-232 separately provides $75 million with carry-forward provisions and ADAP requirements for the following fiscal period. These are dated appropriations and conditions, not a promise that coverage rules are permanently unchanged.[11]
Florida DOH currently lists an ADAP income threshold of up to 400% FPL, together with other eligibility requirements. Biktarvy and Descovy returned to the formulary July 1, 2026. Insurance premium assistance is not currently provided. The enacted budget caps direct-medication enrollment at 21,000 and requires an OPPAGA review by January 31, 2027; that review is not a commitment to restart premiums. Ask the Help Desk or your case manager about your eligibility, formulary and pharmacy arrangements.[12][11]
Florida numbers: HIV/AIDS Hotline 1-800-352-2437 (Spanish 1-800-545-7432; Haitian Creole 1-800-243-7101; TDD/TTY 1-888-503-7118) and the ADAP Help Desk at 844-381-2327 for your eligibility status[12].
Related questions
I have no insurance at all. Can I still get HIV medication?
Possibly. ADAP and manufacturer patient assistance programs can provide medication to eligible people without adequate coverage. Your clinic or case manager can help check eligibility and complete applications. HarborPath offers a combined route for participating medicines, but approval and delivery are not guaranteed. Tell your care team promptly if you may run out.[1][2][8]
Does having insurance disqualify me from help?
Insurance does not automatically rule out assistance. Some ADAPs help with premiums or cost-sharing; Florida currently does not cover premiums. Manufacturer co-pay programs generally require commercial insurance and exclude Medicare and Medicaid, while free-drug programs have separate rules. Confirm eligibility for the exact program and medicine.[1][6][12][15]
Which independent co-pay foundation should I apply to for HIV?
Good Days’ HIV/AIDS Treatment & Prevention fund was listed as open on September 21, 2026, with a $2,100 award and specific government-insurance and income requirements. Other funds have different rules, and their current availability must be confirmed directly. An open listing does not guarantee an award.[3][9][10]
What is Florida ADAP's income limit in 2026?
Florida currently uses an income threshold up to 400% FPL plus other eligibility requirements. Biktarvy and Descovy returned July 1, 2026. Premium assistance is not currently provided, and the enacted budget caps direct-medication enrollment at 21,000. These rules are not a guarantee of permanent coverage. Call 844-381-2327 about your status.[11][12]
Related from RiseUpToHIV
References & Sources
- HRSA Ryan White — Part B: AIDS Drug Assistance Program (ADAP). What ADAP covers, the minimum formulary requirement, premium and cost-sharing assistance, state-set income limits, and the residency rule. ↩ ↩ ↩ ↩ ↩ ↩ ↩ ↩
- HIV.gov — Assistance-program table, labeled current as of January 2026; page updated August 28, 2026. Confirm manufacturer terms. Source. ↩↩↩↩ ↩ ↩
- Good Days — HIV/AIDS Treatment & Prevention; $2,100 award, government-insurance requirements and funding status checked September 21, 2026. Source. ↩↩ ↩
- HRSA Ryan White — Program Funding (FY 2015–FY 2026 appropriations). FY 2026 total of $2,571,041,000, unchanged since FY 2023, and the ADAP line flat at $900,313,000 since FY 2019. ↩ ↩
- Gilead — Yeztugo support options and Advancing Access contact. Source. ↩
- ViiVConnect — Co-Pay Program eligibility requirements and restrictions (PDF). Published $7,850 annual co-pay program limit for Apretude. ↩ ↩ ↩
- Merck Helps — Idvynso patient assistance. Household income limits of $79,800 (individual), $108,200 (couple), and $165,000 (family of four), and the Merck Access Program line 877-709-4455. ↩
- HarborPath — Patient application, participating assistance programs and shipping/enrollment information. Source. ↩ ↩
- Patient Advocate Foundation — HIV/AIDS and Prevention Health Equity Fund; current status requires direct confirmation. Source. ↩ ↩
- HealthWell — HIV/AIDS wasting-syndrome and anorexia Medicare fund; verify current phone enrollment. Provider Spanish-site page includes English fund details. Source. ↩ ↩
- Florida Laws — Chapter 2026-232; ADAP funding, direct-medication enrollment cap and OPPAGA review. Source. ↩↩↩↩ ↩
- Florida Department of Health — AIDS Drug Assistance Program (ADAP). Current 0–400% FPL eligibility, Biktarvy and Descovy returning to the formulary July 1, 2026, the statement that premium assistance is no longer being provided at this time, and the ADAP Help Desk and hotline numbers. ↩ ↩ ↩ ↩ ↩ ↩
- Florida Senate — HB 697, 2026; approval date and temporary bridge funding. Source. Checked September 21, 2026. ↩
- Gilead — Current co-pay savings limits and exclusions. Source. Checked September 21, 2026. ↩ ↩
- ViiVConnect — Separate co-pay and patient assistance routes. Source. Checked September 21, 2026. ↩ ↩
- Gilead — PAP/MAP eligibility and re-enrollment questions. Source. Checked September 21, 2026. ↩
- HRSA — Ryan White covered entities and 340B participation. Source. Checked September 21, 2026. ↩
Community publications like POZ, Positively Aware, and TheBody inform framing and lived-experience context on RiseUpToHIV. Every clinical, epidemiological, or public-health claim above is anchored to a primary source.