HB 1123 Pennsylvania House · 2025-2026 Regular Session

An Act amending the act of May 17, 1921 (P.L.682, No.284), known as The Insurance Company Law of 1921, in casualty insurance, further providing for coverage for colorectal cancer screening.

HB 1123 updates Pennsylvania's 1921 Insurance Company Law to require casualty insurance policies to cover colorectal cancer screening without cost-sharing. This affects insured residents in Pennsylvania who need preventive screenings, ensuring they face no copays or deductibles for this specific health service. The key provision mandates insurers to include coverage for colon cancer screenings as a standard benefit under casualty insurance policies. The bill passed final passage on October 29, 2025, and is now pending implementation under the Banking & Insurance committee. This change directly removes financial barriers for early detection of colorectal cancer through existing insurance coverage.
Bill status passed 3 of 5 stages cleared
Introduction
Apr 2025
Committee Review
Nov 2025
House Passage
Oct 2025
Senate Passage
Governor
Introduced Apr 3, 2025 Last action Jun 30, 2026
Maddy AI version diff · 2 comparisons

What changed between versions

Printer's No. PN2414 Printer's No. PN3726 · 6 edits
MODERATE
This bill updates Pennsylvania's colorectal cancer screening coverage requirements to align with current medical guidelines, expanding the list of covered tests and clarifying which policies must provide free coverage. It also adds new definitions for 'Approved Medical Guidelines' to ensure future updates are automatically included. The changes aim to improve early detection rates by ensuring more screening options are accessible without cost-sharing for patients.
Scope change
The bill expands the scope of covered screening tests and clarifies the applicability of the law to different types of health insurance policies, including those not subject to federal filing requirements.
REQUIREMENT

Updated the required screening guidelines from the American Cancer Society (2018) to 'Approved Medical Guidelines,' which now include the American Cancer Society, National Comprehensive Cancer Network, and CMS guidelines.

Added coverage for Multi-Target Stool RNA tests and Cell-Free DNA or other blood-based screening tests every three years.

ELIGIBILITY

Clarified that coverage for high-risk individuals under 45 must follow U.S. Multi-Society Task Force recommendations rather than just American Cancer Society guidelines.

DEFINITION

Added a new definition for 'Approved Medical Guidelines' listing specific organizations and publication dates to guide future updates.

Updated the definition of 'Direct Visualization Test' to include CT colonography and other visual observation methods.

TIMELINE

Extended the application timeline for policies not requiring federal filing to 180 days after the effective date.

Floor votes · House Oct 29, 2025

How they voted

1976
Passed
Total votes 203
Oct 29, 2025
D Democratic102
102 Yea
100% Yea
R Republican101
95 Yea 6 Nay
94% Yea
Vote distribution
All Yea All Nay Mixed No data
Full legislative history

Actions timeline

Total actions
12
Key actions
4
Committee
4
Amendments
2
Jun 30, 2026
Upper · Passed
Reported as amended
upper
Nov 5, 2025
Committee
Referred to Banking & Insurance
upper
Oct 29, 2025
Lower · Passed
Third consideration and final passage
lower
Oct 29, 2025
Lower · Passed
Re-reported as committed
lower
Oct 28, 2025
Committee
Re-committed to Appropriations
lower
Oct 7, 2025
Lower · Passed
Reported as amended
lower
Apr 3, 2025
Committee
Referred to Insurance
lower
1 primary · 46 co-sponsors

Sponsors