

Since the Affordable Care Act it’s been a legal mandate for all non-grandfathered-in insurances to cover all A & B recommendations with zero copay, which includes PrEP. Sources: HIV.gov, USPSTF.
Any disease that specializes in inserting itself into the host genome and then eradicating their immune system needs to be wiped out.
The US (and other high-income countries) are not included in that licensing deal, meaning the non-insured in those countries will hafta wait for the domestic patent protections to expire (2034-2041) or be successfully challenged in the courts.