KFF secretary Sammy Obingo said Kenya wanted to put its troubles behind it and look forward.

The KFF survey found that over half of respondents said their doctors never recommended HIV tests.

KFF's Pollitz tried that herself years ago and found it to be too complicated and expensive.

About half of respondents to the KFF survey said they never discussed their sexual orientation with their doctor.

The KFF report also found that non-white respondents wanted more information on how and where to get tested for HIV.

The out-of-pocket costs reviewed by KFF were highest for cancer drugs, followed by hepatitis C, rheumatoid arthritis and multiple sclerosis.

For example, KFF reports that 81 percent of large employer health insurance plans had maximum dollar limits on coinsurance last year.

But KFF's Pollitz notes that consumers should be aware that these plans are not required by law to cover pre-existing conditions.

But these protections vary widely from state to state, according to a new study by the Kaiser Family Foundation (KFF).

But less than a third of uninfected respondents to the KFF survey said they were tested for HIV within the past year.

When savings run out, Medicaid steps in - nearly two-thirds of its spending in 2014 went to the elderly and disabled, according to KFF.

The average monthly premium will rise by 9 percent, to $42.17, according to a Kaiser Family Foundation (KFF) analysis released this week.