Health Insurance - Genetic Testing and Cancer Imaging - Required Coverage and Prohibited Cost-Sharing

SB 476 requires Maryland health insurers, nonprofit health plans, and HMOs to cover genetic testing for individuals with a personal or family history of cancer (when recommended by a doctor) and follow-up cancer imaging based on medical guidelines. It prohibits these plans from charging copays, deductibles, or coinsurance for these specific services. The bill directly affects patients with cancer risk factors and Maryland health insurers, ensuring no out-of-pocket costs for these medically necessary screenings. It takes effect January 1, 2026, applying to all health plans issued or renewed in Maryland after that date.