AN ACT RELATING TO INSURANCE -- ACCIDENT AND SICKNESS INSURANCE POLICIES

HB 5430 prohibits health insurance plans from requiring copays, deductibles, or coinsurance for diagnostic and supplemental breast examinations. It applies to all group and individual health insurance plans covering these services, directly affecting insured individuals who need these exams. The bill defines "diagnostic" exams as those evaluating abnormalities found during screening, and "supplemental" exams as risk-based screenings for high-risk individuals without abnormalities. Insurance companies must cover these services without out-of-pocket costs for enrollees. The law takes effect January 1, 2026.