Coverage for Cancer Imaging and Genetic Testing

Healthcare

Passed Legislature

This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.

Sponsor: Rodriguez
Last action: 2026-03-13
Official status: Senate - Died in Banking and Insurance
Effective date: 2026-07-01

Plain English Breakdown

Checked against official source text during the last sync.

Coverage for Cancer Imaging and Genetic Testing

This bill requires health insurers to cover cancer imaging and genetic testing without charging patients extra costs.

What This Bill Does

Defines 'cost-sharing requirements' as expenses like deductibles, coinsurance, copayments, or similar out-of-pocket expenses that patients might have to pay.
Specifies what 'evidence-based cancer imaging' means: it's medical imaging done according to the latest guidelines from experts in cancer care.
Explains what 'genetic testing for an inherited mutation' is: it’s a test looking for genes linked with higher chances of getting certain cancers, based on expert recommendations.
Requires health insurers and HMOs (Health Maintenance Organizations) to cover genetic tests for people who have or whose family has had cancer, as recommended by doctors.
Also requires these organizations to cover evidence-based cancer imaging for those at high risk of cancer, following the guidelines from experts.

Who It Names or Affects

People with health insurance in Florida
Health insurers and HMOs in Florida

Terms To Know

cost-sharing requirements: Extra costs patients might have to pay, like deductibles or copayments.
evidence-based cancer imaging: Medical imaging done according to the latest expert guidelines for cancer care.

Limits and Unknowns

The bill does not cover cost-sharing requirements if it would make health savings accounts (HSAs) unavailable under federal law, except after a person meets their minimum deductible and for preventive services.

Bill History

2026-03-13 Senate
• Died in Banking and Insurance
2026-01-22 Senate
• Introduced
2026-01-16 Senate
• Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Fiscal Policy
2026-01-07 Senate
• Filed

Official Summary Text

Coverage for Cancer Imaging and Genetic Testing; Requiring health insurers and health maintenance organizations to provide certain coverage; prohibiting such coverage from being subject to cost-sharing requirements, etc.

Current Bill Text

Read the full stored bill text

Florida Senate
-
2026

SB 1372

By
Senator Rodriguez

40-01107-26 20261372__
1 A bill to be entitled
2 An act relating to coverage for cancer imaging and
3 genetic testing; creating s. 627.42398, F.S.; defining
4 terms; requiring health insurers and health
5 maintenance organizations to provide certain coverage;
6 prohibiting such coverage from being subject to cost
7 sharing requirements; providing applicability;
8 providing an effective date.
9
10 Be It Enacted by the Legislature of the State of Florida:
11
12 Section 1. Section 627.42398, Florida Statutes, is created
13 to read:
14
627.423
98
Coverage for cancer imaging and genetic testing.—

15
(
1)

As used in this section, the term:

16
(a)

“Cost-sharing requirements” means a deductible,

17
coinsurance, copayment, or similar out-of-pocket expense.

18
(b)

“Evidence-based cancer imaging” means imaging

19
modalities used in accordance with the most recent version of

20
the National Comprehensive Cancer Network clinical practice

21
guidelines.

22
(c)

“Genetic testing for an inherited mutation” means

23
germline multi-gene testing for an inherited mutation associated

24
with an increased risk of cancer
,
which
testing
is recommended

25
in evidence-based clinical practice guidelines.

26
(2)

A health insurer issuing a health insurance policy, or

27
a health maintenance organization issuing a health maintenance

28
contract, in this state shall provide coverage for all of the

29
following:

30
(a)

Genetic testing for an inherited mutation for an

31
individual with a personal or family history of cancer when such

32
testing is recommended by a licensed health care professional.

33
(b)

Evidence-based cancer imaging for individuals at

34
increased risk of cancer
,
as recommended by the National

35
Comprehensive Cancer Network clinical practice guidelines.

36
(3)

Coverage required under subsection (2) may not be

37
subject to any cost-sharing requirements.

38
(4)

If, under federal law, the application of subsection

39
(3) would result in health savings account ineligibility under

40
s. 223 of the Internal Revenue Code, the prohibition under

41
subsection (
3
) applies only to health savings account qualified

42
high-deductible health plans with respect to the deductible of

43
such a plan after the person has satisfied the minimum

44
deductible under
s. 223 of the Internal Revenue Code, except

45
with respect to items or services that are preventive care

46
pursuant to
s. 223(c)(2)(C) of the Internal Revenue Code, in

47
which case the requirements of
subsection (3) apply regardless

48
of whether the minimum deductible under
s. 223 of the Internal

49
Revenue Code has been satisfied.

50 Section 2. This act shall take effect July 1, 2026.