Insurance Companies, Agents, Brokers, Policies - As enacted, expands the prohibition, from stage 4 advanced metastatic cancer or metastatic blood cancer to any cancer, against a health benefit plan that provides coverage for cancer requiring the use of a step therapy protocol before the health benefit plan provides coverage for an approved prescription drug to an enrollee who has received a diagnosis of cancer. - Amends TCA Title 8; Title 56; Title 63; Title 68 and Title 71.

SB 2081 expands a Tennessee law that prohibits health insurance plans from requiring step therapy (trying less expensive treatments first) before covering approved cancer drugs. It removes the current restriction that only applied to "stage 4 advanced metastatic cancer or metastatic blood cancer," instead applying the prohibition to **all cancer diagnoses**. This means cancer patients in Tennessee with insurance plans covering cancer treatment cannot be forced through step therapy protocols before accessing approved drugs. The law takes effect January 1, 2027, for new or renewed insurance policies.