Requires health insurance coverage for testing for BRCA1 and BRCA2 genes.

This bill requires all health insurance plans sold in New Jersey - including hospital service, medical service, health maintenance organization (HMO), individual, group, and employer-sponsored plans - to cover genetic testing for BRCA1 and BRCA2 genes. It directly affects individuals enrolled in these plans by ensuring coverage for this specific cancer risk testing without cost-sharing. The law mandates that positive test results for these genes qualify as "positive genetic testing" under existing law, enabling further necessary testing. This policy change applies to all policies delivered, issued, or renewed in New Jersey on or after the effective date.