Access to Breast Cancer Diagnosis Act of 2023

This bill requires most health insurance plans to cover diagnostic and supplemental breast exams with no out-of-pocket costs (like deductibles or copays) for enrolled individuals. It directly affects people needing these exams, including those with abnormalities found in screenings or those at higher risk due to personal/family history. The law allows plans to still require prior authorization for these exams and does not override stricter state laws protecting coverage. The requirement applies to all group and individual health plans, including grandfathered plans and high-deductible plans with health savings accounts, starting January 1, 2024.