He Took a Drug to Prevent AIDS. Then He Couldn’t Get Disability Insurance.

“I was really shocked,” he added. “PrEP is the responsible thing to do. It’s the closest thing we have to an H.I.V. vaccine.”

Unable to get the company to change its decision — even after he offered to sign a waiver voiding his policy should he become H.I.V.-infected — he did what some other gay men in similar situations have been forced to do. He stopped taking Truvada.

He then applied to a different insurer — and was offered a lifetime disability policy.

There are nearly 800 life insurers in this country, according to the American Council of Life Insurers. There are no national figures on how many of them have denied coverage to men because they take PrEP.

But insurance brokers, gay-rights advocates and staff at medical clinics said in interviews they had heard…

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