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Bill

HB 540

AN ACT relating to coverage for COVID-19 testing.

2025 Regular Session

Kentucky bill HB 540 requires health insurance plans to cover COVID-19 testing, likely addressing cost-sharing and test type eligibility for state residents.

to Banking & Insurance (H)
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Bill Summary · HB 540

Legislative bill overview

HB 540 is a Kentucky bill relating to insurance coverage for COVID-19 testing. The bill was introduced in February 2025 and is currently in the House Banking & Insurance Committee. Without access to the specific text, the bill appears to address how health insurance plans must cover coronavirus diagnostic tests.

Why is this important

COVID-19 testing coverage directly affects healthcare access and out-of-pocket costs for Kentucky residents. Insurance coverage policies for testing influence both individual healthcare decisions and broader public health surveillance capabilities, particularly important given ongoing variants and potential future surges.

Potential points of contention

  • Scope of testing coverage — Whether coverage includes at-home rapid tests, laboratory tests, or both; frequency limits on free tests
  • Cost-sharing mechanisms — Whether plans can impose copayments, coinsurance, or deductibles on COVID-19 tests despite federal guidance
  • Insurance market impact — How expanded coverage requirements affect premium rates and insurer profitability in Kentucky's insurance market
  • Alignment with federal rules — Whether state requirements align with or diverge from existing federal coverage mandates under the Public Health Service Act

Compiled from official sources — confirm details with the bill’s official record.

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