QUESTION
I believe I am HIV+, but am afraid to get tested until I have insurance. I am worried it might be denied under a preexisting clause or the like.

ANSWER
Most states have laws that prohibit discriminiation or the denial of insurance to persons who are HIV infected. That said, in the real world, it is better to get insurance before you get HIV tested, as I have heard of cases (against the law), where insurance is denied based on HIV status.

To your health,
Dr. K