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         627.42398 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.