Whether people who are HIV positive can buy health insurance largely depends on the insurer's underwriting criteria. Some health insurers will not underwrite such risks, while others may offer coverage for substandard rates and subject to a 12 month preexisting condition exclusion.
Federal law limits the use of preexisting condition exclusions.
When imposed, the exclusion period must be reduced by periods of creditable coverage. It prohibits the establishment of rules for eligibility and continued eligibility based on health status-related factors.