Dollar sign and stethoscopeUnder the Affordable Care Act, preventive services that receive an "A" or "B" rating by the task force must be covered by most private health plans without making members share the cost.

Ted Howard started taking Truvada a few years ago because he wanted to protect himself against HIV, the virus that causes AIDS. But the daily pill was so pricey he was seriously thinking about giving it up.

Under his insurance plan, the former flight attendant and customer service instructor owed $500 in copayments every month for the drug and an additional $250 every three months for lab work and clinic visits.

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