Virginia HB60 prohibits insurance discrimination based on PrEP use

Virginia Legislative Events

Published July 1st, 2026

Detected April 3rd, 2026

Summary

Virginia General Assembly enacted HB60, prohibiting life and health insurers from refusing to insure, limiting coverage, or charging different rates based solely on an individual's use of pre-exposure prophylaxis (PrEP) for HIV prevention. The bill passed the Senate 40-0 on February 26, 2026, and was signed by the Governor as Chapter 12 (CHAP0012). The law takes effect July 1, 2026.

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What changed

Virginia HB60 amends state insurance law to prohibit unfair discrimination in life and health insurance based solely on an individual's status as having received pre-exposure prophylaxis (PrEP) for HIV prevention. The statute specifically bars insurers from refusing to insure, refusing to continue to insure, limiting coverage amounts, or charging different rates for the same coverage based on PrEP use. This applies to both individual and group policies.

Insurance companies offering life or health insurance in Virginia must update their underwriting guidelines and rate-setting practices to remove any provisions that consider PrEP use as a risk factor or rating criterion. Compliance programs and staff training should be updated before the July 1, 2026 effective date. Failure to comply with the new anti-discrimination requirements may result in enforcement actions under Virginia's existing insurance code violations.

What to do next

Update underwriting guidelines to remove PrEP use as a factor in coverage eligibility or rate-setting
Train underwriters, actuaries, and claims staff on the new anti-discrimination prohibition
Review and update compliance monitoring processes before July 1, 2026

Source document (simplified)

ChangeBridge / Virginia / HB60 Enacted HB60 House Bill Enacted 2026-03-31

Life or health insurances; unfair discrimination, pre-exposure prophylaxis for prevention of HIV.

Life insurance; health insurance; unfair discrimination; pre-exposure prophylaxis for prevention of human immunodeficiency virus. Prohibits any person from refusing to insure, refusing to continue to insure, or limiting the amount or extent of life insurance or accident and sickness insurance coverage available to an individual or charge an individual a different rate for the same coverage based solely on the status of such individual as having received pre-exposure prophylaxis for the prevention of human immunodeficiency virus.

Bill Details

State Virginia

Session 2026 Regular Regular Session

Chamber House

Official Source lis.virginia.gov/bill-details/20261/HB60

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Action History

2026-03-31 Acts of Assembly Chapter text (CHAP0012) 2026-03-31 Approved by Governor-Chapter 12 (effective 7/1/2026) 2026-03-10 Governor's Action Deadline 11:59 p.m., April 13, 2026 2026-03-10 H Enrolled Bill communicated to Governor on March 10, 2026 2026-03-05 H Fiscal Impact Statement from State Corporation Commission (HB60) 2026-03-03 S Signed by President 2026-03-03 H Signed by Speaker 2026-03-03 H Bill text as passed House and Senate (HB60ER) 2026-03-03 H Enrolled 2026-02-26 S Passed Senate (40-Y 0-N 0-A) 2026-02-26 S Read third time 2026-02-25 S Passed by for the day Block Vote (Voice Vote) 2026-02-25 S Constitutional reading dispensed Block Vote (on 2nd reading) (40-Y 0-N 0-A) 2026-02-25 S Rules suspended 2026-02-23 S Reported from Commerce and Labor (14-Y 0-N) 2026-02-13 H Fiscal Impact Statement from State Corporation Commission (HB60) 2026-01-29 S Referred to Committee on Commerce and Labor 2026-01-29 S Constitutional reading dispensed (on 1st reading) 2026-01-28 H Read third time and passed House (89-Y 8-N 0-A) 2026-01-27 H Read second time and engrossed 2026-01-27 H Moved from Uncontested Calendar to Regular Calendar 2026-01-26 H Read first time 2026-01-22 H Reported from Labor and Commerce (22-Y 0-N) 2026-01-20 H Subcommittee recommends reporting (8-Y 1-N) 2026-01-15 H Assigned HCL sub: Subcommittee #1 2025-12-30 H Referred to Committee on Labor and Commerce 2025-12-30 H Prefiled and ordered printed; Offered 01-14-2026 26101946D

Votes

2026-01-20 Subcommittee recommends reporting (8-Y 1-N) Yea: 8 Nay: 1 2026-01-22 Reported from Labor and Commerce (22-Y 0-N) Yea: 22 Nay: 0 2026-01-28 Read third time and passed House (89-Y 8-N 0-A) Yea: 89 Nay: 8 2026-02-23 Reported from Commerce and Labor (14-Y 0-N) Yea: 14 Nay: 0 2026-02-25 Constitutional reading dispensed Block Vote (on 2nd reading) (40-Y 0-N 0-A) Yea: 40 Nay: 0 2026-02-26 Passed Senate (40-Y 0-N 0-A) Yea: 40 Nay: 0

Committee Referrals

2025-12-30 H Labor and Commerce 2026-01-15 H Labor and Commerce: Subcommittee #1 2026-01-29 S Commerce and Labor

Bill Text Versions

2025-12-30 Introduced 2026-03-03 Enrolled 2026-03-31 Chaptered Legislative data powered by LegiScan (CC BY 4.0)

Named provisions

Life insurance; unfair discrimination; pre-exposure prophylaxis for prevention of HIV Health insurance; unfair discrimination; pre-exposure prophylaxis for prevention of HIV