Start With Your Situation
Six starting points — pick the one that describes you and jump straight to the pathway that fits. Every card links down to the detailed section below.
Start HereHow to Use This Page
HIV medications are among the most expensive drugs in the world — and also among the most supported by assistance programs. Whether you're uninsured, underinsured, on Medicare, or facing a coverage gap, there is almost certainly a program that can help you get your medication for free or at a price you can manage. This page covers three tiers of assistance, plus a fourth pathway most patients never hear about.
Tier 1 — Manufacturer Programs: Run by the pharmaceutical companies that make your medication. Two separate tracks: free drug (PAP) for people with no insurance, and co-pay savings cards for people with commercial insurance through an employer or ACA Marketplace plan. These are distinct programs with different eligibility rules.
Tier 2 — Independent Foundations: Nonprofit organizations that provide co-pay, premium, and deductible assistance for insured patients — including Medicare. Especially critical if you're on Medicare, since manufacturer programs generally can't serve you. Funds open and close as donations come in — check regularly and sign up for alerts.
Tier 3 — Navigation Tools: Free search tools and directories that help you find programs you may not know about, compare drug prices, and identify co-pay cards for any medication.
Tier 4 — 340B Drug Pricing Program: The federal program already funding the medications, staff, and services at your Ryan White clinic or FQHC — whether you knew it or not.
If you're on Medicaid: manufacturer programs — both free drug PAPs and co-pay cards — can't assist you. Federal anti-kickback rules prohibit it. Independent foundations may still help with some out-of-pocket costs. If you're in Florida's Medicaid coverage gap, your Ryan White clinic is your primary safety net.
Quick ReferenceFind Your Medication's Assistance Program
Know your drug? Find it here. Each row links directly to the program that covers it.
| Brand Name | Components | Maker | Program | Phone |
|---|---|---|---|---|
| Biktarvy | bictegravir / FTC / TAF | Gilead | Gilead Advancing Access | 1-800-226-2056 |
| Descovy | FTC / TAF | Gilead | Gilead Advancing Access | 1-800-226-2056 |
| Genvoya | elvitegravir / cobicistat / FTC / TAF | Gilead | Gilead Advancing Access | 1-800-226-2056 |
| Odefsey | rilpivirine / FTC / TAF | Gilead | Gilead Advancing Access | 1-800-226-2056 |
| Sunlenca | lenacapavir | Gilead | Gilead Advancing Access | 1-800-226-2056 |
| Cabenuva | cabotegravir + rilpivirine (injectable) | ViiV | ViiVConnect | 1-844-588-3288 |
| Dovato | dolutegravir / lamivudine | ViiV | ViiVConnect | 1-844-588-3288 |
| Tivicay | dolutegravir | ViiV | ViiV PAP | 1-844-588-3288 |
| Triumeq | abacavir / dolutegravir / lamivudine | ViiV | ViiV PAP | 1-844-588-3288 |
| Juluca | dolutegravir / rilpivirine | ViiV | ViiVConnect | 1-844-588-3288 |
| Rukobia | fostemsavir | ViiV | ViiV PAP | 1-844-588-3288 |
| Apretude | cabotegravir injectable (PrEP) | ViiV | ViiVConnect | 1-844-588-3288 |
| Symtuza | darunavir / cobicistat / FTC / TAF | Janssen | Janssen CarePath | 1-866-836-0114 |
| Isentress / HD | raltegravir | Merck | Merck Helps | 1-800-727-5400 |
| Pifeltro | doravirine | Merck | Merck Helps | 1-800-727-5400 |
| Delstrigo | doravirine / lamivudine / TDF | Merck | Merck Helps | 1-800-727-5400 |
| Trogarzo | ibalizumab-uiyk (IV infusion) | Theratech | Trogarzo Support | 1-855-847-6479 |
| Yeztugo (PrEP) | lenacapavir (twice-yearly injectable PrEP) | Gilead | Gilead Advancing Access & MAP | 1-800-226-2056 |
| Generic Truvada (PrEP) | emtricitabine / TDF (generic) | Various generics | Gilead MAP for uninsured; commercial insurance covers with $0 cost-share under ACA | 1-800-226-2056 |
Don't see your medication? Use the National AETC Medication Assistance Directory[3] — the most comprehensive listing of all HIV drug PAPs organized by medication name. Or call your clinic pharmacist — they know every program.
Tier 1 · Manufacturer ProgramsPharmaceutical Company Assistance Programs
Four companies make virtually all HIV medications sold in the United States: Gilead, ViiV Healthcare, Janssen (J&J), and Merck. Each runs two separate programs: a free drug PAP for uninsured patients, and a co-pay savings card for patients with commercial insurance through an employer or ACA Marketplace plan. Government insurance — Medicare, Medicaid, VA, TRICARE — isn't eligible for either manufacturer program. If that's you, go to the independent foundations in Tier 2 below.
Provides Gilead HIV medications at no cost to eligible patients who have no insurance. Income limit: 500% of the Federal Poverty Level (about $75,000/year for a single person).[4] Medications ship by FedEx overnight — to your home, a shelter, a clinic, or any FedEx pickup location.
Note: Gilead ended free access to Truvada, Emtriva, Tybost, and Complera in January 2025 because generic alternatives are now available. Descovy for PrEP remains covered.
Covers up to $7,200 per year in co-pay costs for Biktarvy, with most eligible patients paying $0 out of pocket.[5] Not available for Medicare, Medicaid, TRICARE, VA, ADAP, or any other government program.
Separate enrollment path for Descovy as PrEP. Apply at prep.advancingaccess.com. If you're uninsured and need generic Truvada for PrEP, the federal Ready, Set, PrEP program ended July 18, 2025[20] — use Gilead's Medication Assistance Program instead (uninsured, ≤500% FPL, no SSN required, undocumented residents eligible), or ask your Ryan White clinic about state PrEPAP coverage where available.
Yeztugo is the twice-yearly injectable PrEP FDA-approved June 2025. For uninsured patients, Gilead's Medication Assistance Program provides Yeztugo at no cost (same 500% FPL limit; ships to a clinic since the injection must be administered by a provider). For commercially insured patients, the Gilead Copay Savings Card covers up to $8,000 per year in Yeztugo drug cost-sharing plus up to $100 per injection in administration-related out-of-pocket costs.[21] The Sunlenca copay card (same drug, HIV-treatment indication) covers up to $9,600 per year.[21] Not available for Medicare, Medicaid, VA, TRICARE, or ADAP.
Provides ViiV HIV medications at no cost to eligible uninsured patients. Income limit: 500% FPL.[6] Medications can be shipped directly to your home or to a clinic or pharmacy. Apply through your provider or download applications at gskpaf.org/viiv.
For patients with commercial insurance. Cabenuva copay assistance is now up to $13,000 per year, covering both medical and pharmacy benefit cost-sharing plus administration-related costs.[7] Not available for Medicare, Medicaid, VA, TRICARE, or any other government program. Enroll online at viivconnect.com or through your provider.
Cabenuva (once-monthly injectable) has dedicated support including injection scheduling assistance. Because it's administered at a clinic, your provider's office or Ryan White clinic coordinates access. See cabenuva.com/savings-and-support.
Provides free medication to eligible uninsured patients. Income limit approximately $45,180/year for a single person (2025 guidelines, scaling higher for larger households).[8] Applications are submitted through your provider.
For patients with commercial insurance. Savings apply toward co-pay, co-insurance, or deductible. Not valid for Medicare, Medicaid, or other government programs. No income verification required. Call 1-866-836-0114 for this specific savings program, or 1-877-227-3728 (877-CarePath) for general care coordination.[9]
Provides Merck HIV medications at no cost to primarily uninsured patients. Income limits apply — typically around 400% FPL, though Merck's own program materials list higher household-size-adjusted figures. Applications submitted through your provider; call to confirm your current eligibility.[10]
For privately insured patients. Savings up to $6,800 per patient per year.[10] Not available for Medicare, Medicaid, or other government programs.
Trogarzo is an IV-administered monoclonal antibody for highly treatment-experienced patients with multidrug-resistant HIV. The program provides free drug for eligible uninsured patients and co-pay assistance for commercial insurance, plus support for insurance denials. Your infectious disease provider coordinates enrollment.
Tier 2 · Independent FoundationsCo-Pay & Premium Assistance Foundations
These nonprofits are critical if you're insured — especially on Medicare — and still facing high out-of-pocket costs. Manufacturer programs can't serve most Medicare patients because of federal anti-kickback rules. These foundations can. Funds open and close as donations come in — check regularly and sign up for alerts.
If one fund is closed today, sign up for alerts and check back. Funds reopen regularly. A closed door this week may be open next week.
— RiseUpToHIVTotalAssist (formerly Patient Advocate Foundation Co-Pay Relief and PAN Foundation)
What changed: The Patient Advocate Foundation (PAF) and PAN Foundation completed their merger on July 1, 2026, becoming a single organization called TotalAssist.[11] If you were enrolled in either PAF's Co-Pay Relief program or PAN Foundation before the merger, your existing grant and pharmacy card continue to work through their award period — you don't need to reapply immediately.
TotalAssist's HIV, AIDS, and Prevention fund is open as of this writing, with awards up to $5,000 per year and eligibility at or below 500% FPL, accepting all insurance types including Medicare and Medicaid.[11] A separate HIV, AIDS, and Prevention Health Equity Fund is also open. Apply or check current fund status at totalassist.org — fund status changes, so always verify before assuming a fund is closed.
TotalAssist also operates dozens of other disease-specific funds for conditions common among people aging with HIV, including diabetes, cardiovascular disease, kidney disease, hepatitis, and depression.
HealthWell Foundation
Assists underinsured patients with co-pays, premiums, deductibles, and other out-of-pocket costs. Over 1.1 million patients served since 2004. Accepts private insurance, Medicare, Medicaid, and TRICARE. Income limit typically 400–500% FPL, depending on the specific fund.[12] Same-day grant approvals are available through the online portal — one of the fastest turnaround times of any foundation.
HIV-specific and other disease funds open and close based on available donations — check the Disease Funds page for current status before applying, and sign up for fund alerts if HIV assistance is temporarily closed.
Good Days
Provides co-pay and premium assistance, with HIV/AIDS treatment and prevention funds offering up to $7,500 in a grant period when open.[13] Like every foundation on this page, individual disease funds cycle between open and closed based on donations — call or check online before assuming a fund isn't available.
HarborPath — Single Application for Multiple Programs
A nonprofit that acts as a single application portal for uninsured people who need HIV or Hepatitis C medications through manufacturer PAPs. Apply once — HarborPath coordinates with the relevant pharmaceutical companies and ships medications directly to you via mail-order pharmacy.[14] Especially useful if you're managing both HIV and Hepatitis C. HarborPath also separately administers the ADAP Waiting List Program for states with ADAP waiting lists.
Tier 3 · Navigation ToolsFind Programs, Compare Prices, Search Every Option
These free tools help you find assistance programs you may not know about, compare pharmacy prices, and identify co-pay cards for any medication — not just HIV drugs.
National AETC Medication Assistance Directory
The most comprehensive, regularly updated listing of all HIV medication assistance programs — manufacturer PAPs, co-pay cards, and foundation programs — organized by medication name.[3] aidsetc.org/resource/medication-assistance-programs
HIV.gov Patient Assistance Directory
The federal government's directory of manufacturer PAPs and co-pay programs for HIV treatment and prevention medications, plus current cost guidance.[15] hiv.gov
NeedyMeds
Free searchable database of patient assistance programs, co-pay cards, discount drug cards, and free or low-cost clinics. Search by drug name or medical condition. needymeds.org
RxAssist
Comprehensive directory of patient assistance programs maintained by Volunteers in Health Care. Organized by drug name and manufacturer. rxassist.org
GoodRx — Discount Tool for Non-HIV Medications
Most useful for generic medications many people with HIV also take — statins, blood pressure drugs, metformin, antidepressants. For brand-name HIV drugs, manufacturer PAPs and foundation grants save far more. goodrx.com/conditions/hiv/drugs
PrEP Assistance in 2026 — What Replaced Ready, Set, PrEP
The federal Ready, Set, PrEP program stopped new enrollments July 30, 2024 and ended entirely on July 18, 2025.[20] There is no federal replacement. For uninsured people who need PrEP today:
- Gilead Medication Assistance Program — free Descovy and Yeztugo for uninsured people at ≤500% FPL. No Social Security number required; undocumented residents eligible. gileadadvancingaccess.com · 1-800-226-2056
- ViiV Healthcare Patient Assistance Program — free Apretude for uninsured patients meeting income and residency requirements. gskpaf.org/viiv · 1-844-588-3288
- State PrEPAPs — some states run a separate PrEP Assistance Program alongside ADAP. Florida’s PrEPAP is a distinct program from Florida ADAP; both intake through the same phone line.
- Commercial and ACA plans — PrEP (drug plus required labs and clinic visits) is covered with $0 cost-sharing under ACA preventive-services rules for most private plans.
Florida PrEPAP — Distinct from Florida ADAP
Florida operates a PrEP Assistance Program (PrEPAP) separate from Florida ADAP. PrEPAP covers PrEP medication for uninsured and underinsured Florida residents; ADAP covers HIV treatment for people living with HIV. Both programs use the same intake line.
How to apply: Call the Florida HIV/AIDS Hotline at 1-800-352-2437 (Spanish: 1-800-545-7432, Haitian Creole: 1-800-243-7101) or the ADAP Help Desk at 844-381-2327, and ask specifically about PrEPAP eligibility.[22] A local Ryan White case manager or county health department PrEP navigator can also enroll you.
HOPWA — Housing Opportunities for Persons With AIDS
HOPWA is a federal HUD program providing housing assistance for people living with HIV. Eligibility: documented HIV/AIDS status, and household income at or below 80% of area median income. Assistance can include rental subsidies, short-term emergency payments, permanent supportive housing, and supportive services.[23]
How to apply: HOPWA has no national intake number — it is administered by state and local grantees. Contact your Ryan White case manager, your local AIDS Service Organization, or your county HIV housing office. In Florida, the state health department and larger AIDS Service Organizations (AHF, CAN Community Health, county health departments) coordinate HOPWA referrals. For a national grantee directory: hudexchange.info/programs/hopwa · email HOPWA@hud.gov
Tier 4 · 340B Drug Pricing ProgramYour Clinic May Already Have Discounted Medications
If you get your HIV care at a Ryan White clinic, a Federally Qualified Health Center (FQHC), or certain safety-net hospitals in Florida, your provider is almost certainly participating in the federal 340B Drug Pricing Program — and that matters for what you pay.
The short version: 340B allows qualifying clinics and hospitals to buy medications at a steep discount — 20 to 50% below retail. The savings fund the services, sliding-scale fees, case management, medication delivery, and co-pay coverage programs that make HIV care accessible at those clinics. The program is one of the most important — and least understood — reasons why Ryan White clinics can do what they do.
What 340B Actually Is
Created by Congress in 1992. Requires pharmaceutical manufacturers to sell outpatient medications at deeply discounted prices to certain federally supported health care organizations called covered entities. The covered entity buys at the 340B price, dispenses to patients, and bills insurance at the regular price. The spread — 20–50% — generates revenue the clinic reinvests into patient services. For uninsured patients, covered entities can pass the discount directly along.
Who Qualifies as a 340B Covered Entity
Ryan White HIV/AIDS Program clinics and grantees — the most directly relevant category for this page. Most of Florida's HIV specialty clinics participate in 340B.
Federally Qualified Health Centers (FQHCs) — Florida has over 50 FQHC organizations operating hundreds of clinic sites. Most have in-house pharmacies or contract pharmacy arrangements.
Disproportionate Share Hospitals (DSH) — Safety-net hospitals including Jackson Health System in Miami, Tampa General, and Orlando Health.
STD clinics and other federal grantees — including tuberculosis clinics, Title X family planning clinics, and hemophilia treatment centers.
The Patient Rule — Important
You can't walk into any pharmacy and access 340B pricing. The discount belongs to the covered entity. To receive a 340B drug, you need to be an established patient of the covered entity — meaning the clinic has health records documenting your care, and you received a prescription from a provider employed by or under contract with that entity.
If you get care at a Ryan White clinic or FQHC and fill prescriptions through their in-house pharmacy or affiliated contract pharmacy, you're receiving 340B drugs. If you get care at a private specialist and fill at a retail chain, you're not.
Contract Pharmacies — And the Important Catch
Starting around 2020, major drug manufacturers began restricting where 340B drugs can be dispensed. More than 50 manufacturers now limit 340B dispensing, often to the clinic's own in-house pharmacy only. Florida does not have a state law protecting contract pharmacy arrangements.
Always ask your clinic directly — before you leave with a prescription — where you can fill it under 340B. If your clinic has an in-house pharmacy, that's almost always the safest option.
How to Find 340B Covered Entities in Florida
HRSA maintains a public searchable database: 340bopais.hrsa.gov/SearchCe — Search by state (Florida), entity type (Ryan White, FQHC, DSH), or city. For most patients, the simpler path: find your nearest Ryan White clinic or FQHC through the Care Locator, establish care there, and ask about their pharmacy options.
340B and the current policy environment: Manufacturers have been restricting contract pharmacy arrangements since 2020, and the rules around 340B pricing mechanics have been in flux. HRSA's original 340B Rebate Model Pilot — which would have let manufacturers pay rebates after the sale instead of giving upfront discounts — was blocked by a federal court and formally withdrawn in February 2026 before it took effect.[16] HRSA then announced a revised, narrower rebate pilot on July 31, 2026, limited to drugs tied to Medicare's drug price negotiation program, with an effective date of January 1, 2027 — not 2026.[17] Florida's Ryan White clinics remain covered entities throughout, but the rules around where patients can fill prescriptions continue shifting drug by drug. Navigators and case managers should stay current through 340breport.com and rwc340b.org.
Know Before You ApplyRules, Caveats, and What to Watch For
Florida ADAP is fully restored — here's what that means for you. After a rocky 2026 that included a temporary eligibility cut to 130% FPL in March, Florida's AIDS Drug Assistance Program (ADAP) is back to full strength as of July 1, 2026. Eligibility is restored to 400% of the Federal Poverty Level (about $62,600/year for one person), every previously covered medication — including Biktarvy — is back on the formulary, and the state legislature appropriated an additional $75 million in funding for the year, on top of federal Ryan White dollars.[18] One caveat: insurance premium assistance through ADAP was not restored, so if you rely on ADAP to help pay a Marketplace or employer premium, talk to your case manager about your options.[18] To check your eligibility or apply, call the ADAP Help Desk at 844-381-2327 or the Florida HIV/AIDS Hotline at 1-800-352-2437 (Spanish: 1-800-545-7432).[19]
If you're on Medicaid, you can't use any manufacturer program — free drug PAP or co-pay card. Federal anti-kickback rules prohibit it across the board. Independent foundations may still help with some out-of-pocket costs. If you're in Florida's Medicaid coverage gap, your Ryan White clinic is your primary safety net.
On Medicare? Manufacturer programs don't apply to you — go straight to the foundations. Anti-kickback rules block manufacturer co-pay cards for Medicare patients entirely. The free drug PAPs also exclude Medicare. TotalAssist, HealthWell, and Good Days are specifically designed to fill this gap.
Foundation funds run out — check back regularly. Independent foundations are donation-funded. A closed fund today may reopen within days or weeks. Sign up for email alerts on any fund you need. Don't give up after one closed door.
Never stop taking your HIV medication because of cost. Interrupting antiretroviral therapy can allow the virus to rebound, cause drug resistance, and reverse years of treatment progress. If you're facing a gap, call your clinic the same day — your pharmacist or case manager can often bridge you with samples or emergency access.
Your case manager is your best resource. HIV case managers deal with these programs every single day. They know which funds are currently open, which work best for your insurance situation, and how to move an application through quickly. If you have a Ryan White case manager, lean on them — this is exactly what they're there for.
Verify These Facts YourselfReferences & Sources
Every dollar figure, program detail, and policy claim on this page is sourced below. Program terms, prices, and fund status change — always confirm current details with the organization directly before making a decision.
- NIH Clinicalinfo / HIV.gov. "Antiretroviral Therapy: Cost Considerations and Antiretroviral Prices." Retrieved 2026. clinicalinfo.hiv.gov ↩
- ViiV Healthcare. "Cabenuva U.S. Pricing." Retrieved 2026. viivuspricing.com/cabenuva.html ↩
- AIDS Education and Training Center Program (AETC). "Medication Assistance Programs." Retrieved 2026. aidsetc.org/resource/medication-assistance-programs ↩
- RxAssist. "Gilead Advancing Access — Program Details." Retrieved 2026. rxassist.org ↩
- HIV.gov. "Paying for HIV Care and Treatment: Assistance Programs." Updated May 7, 2026. hiv.gov ↩
- GSK Patient Affairs Foundation. "ViiV Prescription Medicine Patient Assistance." Retrieved 2026. gskpaf.org/viiv ↩
- HIV.gov. "Using HIV Medication to Reduce Risk — Accessing PrEP and Treatment Cost Support." Retrieved 2026. hiv.gov ↩
- Janssen CarePath. "Quick Reference Guide — Other Medications, Other Programs" (2025 income eligibility table). Retrieved 2026. janssencarepath.my.site.com ↩
- Symtuza HCP. "Janssen CarePath Savings Program Overview." Retrieved 2026. symtuzahcp.com ↩
- Merck Helps. "Patient Assistance and Co-Pay Program Details." Retrieved 2026. merckhelps.com/ISENTRESS ↩
- TotalAssist. "HIV, AIDS, and Prevention Fund" and merger transition information. Retrieved 2026. totalassist.org; see also PAN Foundation transition notice at uniting.patientadvocate.org ↩
- HealthWell Foundation. "Disease Funds." Retrieved 2026. healthwellfoundation.org/disease-funds ↩
- Hemophilia Federation of America. "Non-HFA Hepatitis C and HIV Resources" (Good Days program listing). Retrieved 2026. hemophiliafed.org ↩
- HarborPath. "Patient Assistance Program Enrollment." Retrieved 2026. harborpath.org/patient ↩
- HIV.gov. "HIV Treatment Basics — Paying for Care." Retrieved 2026. hiv.gov ↩
- American Hospital Association / Husch Blackwell. "340B Rebate Model Pilot Program — Withdrawal and Request for Information." February 2026. aha.org ↩
- Health Resources and Services Administration (HRSA). "HRSA Announces Revised 340B Rebate Model Pilot Program." Press release, July 31, 2026. hrsa.gov ↩
- AIDS Healthcare Foundation. "Florida Budget Becomes Law, Securing Reversal of HIV Drug Cuts." June 29, 2026. aidshealth.org ↩
- Florida Department of Health. "AIDS Drug Assistance Program (ADAP)." Retrieved August 2026. floridahealth.gov ↩
- HIV.gov. "Ready, Set, PrEP" program status page. The federal Ready, Set, PrEP program stopped new enrollments July 30, 2024 and ended entirely on July 18, 2025; no federal replacement has been enacted. hiv.gov/federal-response/ending-the-hiv-epidemic/prep-program ↩
- Gilead Advancing Access. "Copay Savings Card — Yeztugo and Sunlenca." Yeztugo copay card covers up to $8,000/year in drug cost-sharing plus $100 per injection in administration costs; Sunlenca copay card covers up to $9,600/year. Not valid for federal or state government insurance. Retrieved August 2026. gileadadvancingaccess.com/copay-savings-card ↩
- Florida ADAP / PrEPAP. "Statewide HIV/AIDS Hotline" and ADAP Help Desk. Florida’s PrEPAP operates as a distinct program alongside ADAP; both use the same intake line at 1-800-352-2437 (English), 1-800-545-7432 (Spanish), 1-800-243-7101 (Haitian Creole), 1-888-503-7118 (TDD/TTY). ADAP Help Desk: 844-381-2327. Retrieved August 2026. adap.directory/florida ↩
- U.S. Department of Housing and Urban Development. "Housing Opportunities for Persons With AIDS (HOPWA) Program" — eligibility (documented HIV/AIDS status, household income ≤80% area median income), grantee structure, and services. HOPWA is administered by state and local grantees, not a national intake line. Retrieved August 2026. hudexchange.info/programs/hopwa; national contact: HOPWA@hud.gov ↩
Can't Find What You Need?
Contact your local Ryan White clinic, call the Florida ADAP Help Desk at 844-381-2327, or call the Florida HIV/AIDS Hotline at 1-800-352-2437. If you're between programs, there's almost always a bridge — you just need someone who knows where it is.
Find Care in FloridaPrEP AssistanceSave Reference Card (PDF)