S. 1500 — Access to Breast Cancer Diagnosis Act of 2025

This section requires group health plans and health insurance issuers offering group or individual health insurance coverage to cover diagnostic breast examinations (i.e., follow-up exams for abnormalities per National Comprehensive Cancer Network guidelines) and supplemental breast examinations (i.e., high-risk screening exams per such guidelines) without cost-sharing requirements (i.e., no deductibles, coinsurance, copayments, or out-of-pocket maximums), if such benefits are provided, effective for plan years beginning on or after January 1, 2026. It (1) applies the requirement to grandfathered health plans (i.e., plans or coverage enrolled in before March 23, 2010, which are exempt from most ACA rules); and (2) provides a safe harbor under the Internal Revenue Code so high-deductible health plans remain eligible for health savings accounts despite waiving deductibles for these examinations.