Prescription drug formularies, consumer protections, and state enforcement: Focus on HIV treatment & prevention
NAIC Prescription Drug Coverage Working Group
March 23, 2026

NAIC consumer representative Carl Schmid spoke at the Rx Working Group to describe how insurers continue to place HIV drugs on high-cost tiers and are not covering required treatment and PrEP drugs, and how regulators must protect patients by fully reviewing plan drug coverage and tier placement, responding to patient complaints, and ensuring $0 patient costs for preventive services.