Introduction

Under the Affordable Care Act (ACA), people living with chronic diseases like hepatitis B are protected from discriminatory healthcare policies and health insurance benefit plan designs. Despite such legal protections, health insurance companies have found other ways to discourage people living with hepatitis B from choosing their plans. Please note that while the cost of medications in the US varies based on numerous factors, only plans that are purchased through the federal marketplace exchange are required to follow the regulations put in place by the ACA.
 
Discriminatory treatment access actions include, but is not limited to: 
  • Generic drugs on pricing tiers 3 and above
  • Placing most or all hepatitis B treatments on the highest tiers
  • Requiring coinsurance rates instead of copays for most or all hepatitis B treatments
  • Mandatory physician's approval (prior authorization) for first-line or generic treatments
  • A combination of any of the above markers of discrimination
If you experienced one or more of the above barriers to accessing your hepatitis B medication, you may have experienced discriminatory practices by your health insurance carrier.
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