Access to Breast Cancer Diagnosis Act of 2025

This bill requires most private health insurance plans to cover diagnostic and supplemental breast exams with no out-of-pocket costs (like deductibles or copays) for enrolled patients. It specifically covers exams used to evaluate abnormalities found in screenings (diagnostic) or for high-risk screening without abnormalities (supplemental), based on medical guidelines. Plans can still require prior authorization for these exams, and state laws offering stronger protections remain in effect. The rule takes effect for plan years starting January 1, 2026.