Step zero: Do not stop taking PrEP. Stopping PrEP leaves you unprotected against HIV. Even if your insurance ended today, you have options to continue at $0. Keep taking your current supply while you set up a new pathway.
Your Immediate Options (All Free)
1. MISTR — Fastest option
MISTR provides PrEP at $0 for uninsured patients. Everything is included: consultation, prescription, lab work (at-home kits), medication, and home delivery. You can sign up right now and have a consultation today.
2. Gilead Advancing Access (Medication Assistance Program)
If you're taking Descovy or Yeztugo, Gilead's MAP provides free medication to eligible uninsured patients. Income eligibility: generally up to 500% of the federal poverty level (~$75,300 for an individual in 2026). No SSN required.
- Phone: 1-800-226-2056
- Website: gileadadvancingaccess.com
- Note: MAP covers medication only. You'll still need a provider for the prescription and labs — MISTR or an FQHC can handle this at $0.
3. Federally Qualified Health Centers (FQHCs)
Over 1,400 FQHCs nationwide provide PrEP on a sliding fee scale. Many patients qualify for $0 care. FQHCs are required by federal law to serve everyone regardless of ability to pay or insurance status.
4. State PrEP Drug Assistance Programs (DAPs)
About 12 states operate dedicated programs that cover PrEP medication, labs, or both for uninsured residents. Check your state's programs.
Step-by-Step Emergency Plan
If You're Running Out of Medication
If you have less than a week of PrEP pills left and haven't set up a new pathway yet:
- Contact MISTR immediately for an emergency consultation
- Visit your nearest FQHC or health department — many can provide a bridge prescription same-day
- Call your previous provider — they may be able to call in a short bridge prescription to a pharmacy
- Check your pharmacy: Some pharmacies offer emergency fills (typically 3–7 days) for maintenance medications when insurance lapses
Getting Insurance Back
While free PrEP options cover you immediately, you may also want to explore getting insurance again:
- Job loss = Special Enrollment Period: You have 60 days from losing employer coverage to enroll in an ACA marketplace plan at healthcare.gov.
- Income-based: If your income dropped, you may qualify for Medicaid. Apply through your state's Medicaid office or healthcare.gov.
- COBRA: Continued employer coverage (expensive, but maintains your current plan for up to 18 months).
- Turning 26: If you're aging off a parent's plan, you have a 60-day Special Enrollment Period.