Access to Breast Cancer Diagnosis Act of 2025

This bill requires most health insurance plans to cover diagnostic and supplemental breast examinations with no out-of-pocket costs (like deductibles or copays) for enrollees. It specifically covers medically necessary exams used to evaluate abnormalities (diagnostic) or for high-risk screening (supplemental), following national cancer guidelines. Insurance plans may still require prior authorization but cannot impose cost-sharing for these services. The rule applies to group and individual plans starting January 1, 2026, and does not override stricter state laws protecting coverage.