Lacking finances for treatment will definitely give you higher chances of mortality, may it be with HIV or cancer or COVID or any other disease. Compared with let's say Stage 4 cancer, HIV can be controlled and is not a death sentence. The corruption on PhilHealth is a different issue that is instead patched up by increasing the contribution of every working Filipino and it is now required to be paid for even if you do not have a job for a period of time. Corruption does affect possible funding for health https://www.philhealth.gov.ph/news/up/article/2025/news_67c0f543e2003.php but the solution towards that is electing better politicians which is already very far from the initial "HIV is no longer a death sentence" topic.