Requiring insurance coverage of certain genetic testing without cost sharing

SB 28 requires health insurance plans in West Virginia to cover clinical genetic testing for inherited cancer-related gene mutations (for individuals with a family history of cancer, as recommended by a doctor) and evidence-based cancer imaging (for those at increased cancer risk, per medical guidelines) without any cost-sharing like copays or deductibles. This applies to all individual, group, and public employee health insurance policies issued, renewed, or adjusted in West Virginia on or after January 1, 2026. The law ensures these specific preventive services are fully covered at no additional cost to patients who meet the medical criteria. It does not alter existing coverage for other medical services.