Health Insurance & Medical Costs · Surprise rank #232
Uninsured or Underinsured With HIV—or Need PrEP Care? NY’s Uninsured Care Programs Can Cover Key Costs
New York’s Uninsured Care Programs combine several HIV and PrEP assistance programs for eligible residents who are uninsured or underinsured.
Who
New York residents living with HIV or at risk of acquiring HIV who are uninsured or underinsured and meet the program’s financial and program-specific rules.
What to do
Start here: Use the NYS Uninsured Care Programs application or call the program to identify which component fits your insurance and care situation.
Eligibility: New York residency, uninsured/underinsured status, income and HIV/PrEP program criteria apply. One application can be used for ADAP, ADAP Plus, HIV Home Care and PrEP-AP.
What you get
ADAP pays for HIV/AIDS medications; ADAP Plus covers qualifying outpatient medical care; related programs include HIV Home Care and PrEP-AP for eligible PrEP-associated clinical services.
Benefit: Free or subsidized qualifying HIV medications, medical visits, laboratory services, home-care services or PrEP-related clinical services depending on the program component.
Possible value: Can save hundreds to many thousands of dollars a year depending on medications, insurance gaps and covered clinical services.
Good to know
Important: The programs cover different things. In particular, PrEP-AP is not simply a promise that New York pays every person’s PrEP prescription; it covers eligible clinical services under its own rules.
Availability: Active
Why people miss it: People see separate names—ADAP, ADAP Plus, PrEP-AP and HIV Home Care—and may not realize they can enter through one coordinated state application.
Sources reviewed: Aug 10, 2026