Health Insurance - Testing for Ovarian and Cervical Cancers - Required Coverage and Prohibited Cost Sharing

HB 1366 requires Maryland health insurance plans to cover cervical Pap tests for all individuals and ovarian cancer surveillance tests (CA-125, ultrasound, or pelvic exams) for those with specific risk factors, such as a family history of ovarian cancer or BRCA gene mutations. It prohibits insurers from charging copayments, coinsurance, or deductibles for these tests, except in high-deductible health plans where the plan's standard deductible still applies. The law applies to all health insurers and health maintenance organizations providing coverage in Maryland and takes effect January 1, 2026. This directly affects individuals seeking preventive cancer screenings, particularly those at higher risk for ovarian cancer.