According to the National Coalition on Health Care, "the U.S. Census Bureau (reports) nearly 46 million Americans, or 18 percent of the population under the age of 65, were without health insurance coverage in 2007, their latest data available." If these stats have stayed consistent over the past couple of years, more than a quarter of the American population lives without health coverage insurance.

There are many critical issues for persons with HIV trying to obtain health insurance. Although some governing bodies can step in and force carriers to offer health insurance coverage, the image is hard to shake off. Holding onto the coverage and getting claims paid will likely require you jump many hurdles.