For people living with HIV and other vulnerable populations, health insurance is the difference between viral suppression and preventable death. CoverageGateway exists to close that gap — for individuals, for programs, and for communities.
While science has proven that insured people living with HIV achieve dramatically better health outcomes, federal funding cuts, Medicaid rollbacks, and ACA subsidy expirations are pushing more PWH toward coverage loss — at the exact moment new HIV diagnoses are rising.
CoverageGateway's thesis: Health insurance is not just a financial product for people living with HIV — it is a clinical intervention. Research confirms that insured PWH achieve higher viral suppression, better ART adherence, and better quality of life. Putting insurance at the forefront is not a business strategy. It is a public health imperative.
CoverageGateway is built on peer-reviewed evidence — not assumptions. Every product, tool, and intervention is grounded in what research and federal surveillance data tell us actually works.
"Among people living with HIV, those with insurance are more likely to adhere to ART, experience sustained viral suppression, and access mental health care — all factors associated with improved outcomes."
"Higher financial literacy is linked to healthier behaviors, greater use of preventive services, and more effective management of health-related costs. Financial literacy enhances the ability to navigate complex insurance systems and make prudent choices regarding health."
"Both higher levels of education and financial knowledge are related to a higher likelihood of obtaining health insurance coverage and a lower likelihood of having medical debt and engaging in cost avoidance."
"The Ryan White HIV/AIDS Program maintains viral suppression rates of 91.4% among clients — far exceeding the national average of 65% — demonstrating what is possible when access to coordinated care is sustained."
CoverageGateway is a mission-driven ecosystem — not a consulting firm and not a software company. Every product, every partnership, and every decision serves one of three interlocking outcomes.
Increase health insurance coverage among vulnerable populations — especially people living with HIV — so they can access the care, medications, and preventive services that keep them healthy and prevent new HIV transmissions in the community.
Help Ryan White programs, 340B covered entities, and community organizations generate the revenue and operational capacity they need to serve more clients, sustain their teams, and remain viable as federal funding becomes less predictable.
Build the financial literacy, insurance literacy, and health literacy that empower individuals to navigate the system with confidence — reducing dependence on crisis-driven care and moving toward economic stability, voluntary insurance enrollment, and self-sufficiency.
CoverageGateway offers the right tool for each stakeholder — institution-facing for programs and organization-facing for consumers — designed to work together to create lasting impact.
The only integrated premium assistance management system built specifically for Ryan White programs and 340B covered entities. CARE-CROS gives navigators and administrators the tools to manage ACA enrollment, premium assistance disbursement, 340B compliance, and coverage continuity — in one HIPAA-compliant platform.
A consumer-facing financial and insurance literacy platform designed to meet vulnerable populations exactly where they are — regardless of education level, income, or prior knowledge. FUNancial builds the confidence and capability that leads to voluntary insurance enrollment and lasting self-sufficiency.
CoverageGateway does not just enroll people in insurance. It builds the knowledge, habits, and systems that help individuals move from financial vulnerability to lasting self-sufficiency — reducing their dependence on safety net programs over time.
CoverageGateway serves multiple audiences — always in service of the same three outcomes: access to care and prevention, program sustainability, and consumer self-sufficiency.
PWH who are uninsured face dramatically worse health outcomes — lower viral suppression, reduced ART adherence, and greater risk of HIV transmission. CoverageGateway puts health insurance within reach and builds the financial confidence to keep it.
As federal funding becomes less predictable, Ryan White programs need new revenue strategies to remain viable. CARE-CROS™ helps programs manage premium assistance more effectively, capture 340B revenue, and demonstrate public health impact through the ROPHI™ framework.
With manufacturer restrictions increasing and HRSA audit activity intensifying, 340B programs face growing compliance complexity and revenue risk. CoverageGateway offers both the technology platform and the consulting expertise to protect and grow your program.
As public health priorities shift and resources become constrained, funders need investments that demonstrate measurable impact, build toward sustainability, and reduce long-term safety-net dependence. CoverageGateway offers a scalable, evidence-based model with quantifiable outcomes.
Faith-based organizations, CBOs, workforce development programs, and community health centers are on the frontlines of the coverage gap. CoverageGateway partners with community organizations to bring FUNancial literacy and insurance navigation directly to the communities they serve.
These are not projections. They are documented, peer-reviewed evidence of what happens when coverage gaps go unaddressed — and what becomes possible when they are closed.
The ROPHI™ (Return on Public Health Investment) framework quantifies the value generated by premium assistance and 340B programs in terms that funders, boards, and HIVPC leadership understand.
Estimate your program's annual return on premium assistance investment
Broward County is home to one of the nation's most active Ryan White Part A programs, serving 1,598 ACA-enrolled clients with $10.7M in annual premium exposure. With CARE-CROS™ already live and FUNancial™ entering its pilot phase, Broward is where the full CoverageGateway ecosystem comes together for the first time.
The Broward pilot will generate the evidence base — coverage retention rates, viral suppression outcomes, self-sufficiency progression, and cost offsets — that positions CoverageGateway for national replication and funder investment in Ryan White EMAs across the country.
Become a Pilot Partner →Every stakeholder in the ecosystem has a role to play. Choose yours.