Requiring that a no cost-sharing requirement be imposed on insureds for diagnostic and supplemental breast examinations for breast cancer.

Session of 2026
SENATE BILL No. 409
By Committee on Financial Institutions and Insurance
1-28
AN ACT concerning insurance; relating to health insurance coverage;
requiring that a no cost-sharing requirement be imposed on insureds for
diagnostic and supplemental breast examinations for breast cancer.
Be it enacted by the Legislature of the State of Kansas:
Section 1. (a) As used in this section:
(1) "Cost sharing" means a deductible, coinsurance, copayment and
any maximum limitation on the application of such a deductible,
coinsurance, copayment or similar out-of-pocket expense.
(2) "Diagnostic breast examination" means, in accordance with
national comprehensive cancer network guidelines, an examination of the
breast using contrast-enhanced mammography, diagnostic mammography,
breast magnetic resonance imaging, breast ultrasound, digital breast
tomosynthesis, molecular breast imaging or other equipment dedicated
specifically for mammography conducted to evaluate an abnormality that
was detected or suspected:
(A) In a screening examination for breast cancer; or
(B) by another means of examination.
(3) "HSA-qualified health insurance policy" means a policy of
individual or group health insurance coverage that satisfies the criteria for
a high-deductible health plan under 26 U.S.C. § 223 and any regulations or
guidance promulgated thereunder.
(4) "Supplemental breast examination" means an examination of the
breast using contrast-enhanced mammography, diagnostic mammography,
breast magnetic resonance imaging, breast ultrasound, digital breast
tomosynthesis, molecular breast imaging or other equipment dedicated
specifically for mammography conducted based on:
(A) The insured's personal or family medical history of breast cancer;
or
(B) other factors that may increase the insured's risk of breast cancer,
including heterogeneous or extremely dense breasts.
(b) Every individual or group health insurance policy, medical service
plan, contract, hospital service corporation contract, hospital and medical
service corporation contract, fraternal benefit society or health
maintenance organization that provides coverage for accident and health
services that is delivered, issued for delivery, amended or renewed on or
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SB 409 2
after January 1, 2027, and provides benefits with respect to diagnostic
breast examinations and supplemental breast examinations shall impose no
cost-sharing requirements for diagnostic or supplemental breast
examinations when furnished to an individual enrolled in such plan or
coverage.
(c) (1) Except as provided in paragraph (2), an HSA-qualified health
insurance policy shall be exempt from any prohibition on cost-sharing
requirements for a covered benefit required under any general or special
law to the extent that the exemption is necessary to allow the policy to be
an HSA-qualified health insurance policy.
(2) The exemption provided in paragraph (1) shall not apply to any
coverage required under any general or special law pertaining to
preventive care, as described in 26 U.S.C. § 223, with respect to any HSA-
qualified health insurance policy issued, delivered, amended or renewed
while such regulation or guidance is effective.
(d) The provisions of K.S.A. 40-2248 and 40-2249a, and amendments
thereto, shall not apply to this section.
Sec. 2. This act shall take effect and be in force from and after its
publication in the statute book.
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