SB 430 West Virginia Senate · 2025 Regular Session

Relating to cost-sharing requirements for breast examinations

SB 430 prohibits health insurance plans in West Virginia from charging deductibles, copays, or coinsurance for specific breast examinations. It applies to "diagnostic" exams (used to evaluate abnormalities found during screening or other exams) and "supplemental" exams (high-risk screening based on personal/family history). The law requires 100% coverage for these services without cost-sharing, affecting all health insurers and patients needing these exams. It includes a minor exception for Health Savings Account-qualified plans under federal tax rules but otherwise eliminates out-of-pocket costs for covered breast examinations. The rule takes effect for new or renewed policies starting July 1, 2026.

Issues: ✓ Healthcare

Bill status in committee 1 of 4 stages cleared

Introduction

Feb 2025

Committee Review

Floor Vote

Governor

Introduced Feb 13, 2025 Last action Feb 21, 2025

Maddy AI version diff · 1 comparison

What changed between versions

Introduced Version → Committee Substitute · 3 edits

MINOR

The bill was amended to add a new effective date provision and clarify the bill's purpose. The original version did not include an effective date or purpose statement, while the committee substitute adds that the bill applies to coverage issued on or after January 1, 2026, and explicitly states its purpose is to require insurance providers to cover breast examinations without cost-sharing.

Scope change

The scope remains the same regarding which insurance types are covered (public employees, accident/sickness, hospital service, health care, and HMO plans), but the effective date was standardized to January 1, 2026 for most sections, whereas the original version had a July 1, 2026 date for the public employees insurance section.

TIMELINE

Added a new subsection (f) to each affected section establishing a uniform effective date of January 1, 2026, for coverage issued or modified on or after that date, replacing the inconsistent July 1, 2026 date that appeared in the original public employees insurance section.

TECHNICAL

Added a purpose statement at the end of the bill clarifying that the legislation requires insurance providers to provide diagnostic and supplemental breast examinations without cost-sharing.

Removed navigation links and formatting artifacts from the original version that were not part of the legislative text, resulting in a cleaner bill text.

Floor votes

How they voted

No floor votes recorded yet.

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Feb 21, 2025

Committee

To Finance

upper

Feb 21, 2025

Upper · Passed

Committee substitute reported, but first to Finance

upper

Feb 13, 2025

Committee

To Health and Human Resources

upper

Feb 13, 2025

Introduced

Introduced in Senate

upper

Feb 13, 2025

Committee

To Health and Human Resources then Finance

upper

1 primary · 1 co-sponsor