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HB 2296

Requiring that certain health insurance plans impose a no-cost sharing requirement for a diagnostic or supplemental breast cancer examination for breast cancer imposed on an insured.

2025-2026 Regular Session Introduced by John Alcala and 40 co-sponsors

Kansas HB 2296 would eliminate patient cost-sharing for diagnostic and supplemental breast imaging used to evaluate or screen for breast cancer.

Died in Committee
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Bill Summary · HB 2296

HB 2296 — No cost-sharing for diagnostic or supplemental breast cancer examinations (Introduced 2025)

Summary: This bill would require many Kansas health plans to eliminate patient cost‑sharing (deductibles, coinsurance, copayments, or similar out‑of‑pocket charges) for diagnostic and supplemental breast examinations used to evaluate or screen for breast cancer, subject to a limited exception for certain HSA‑qualified high‑deductible plans under federal law.

Purpose / Intent

Ensure insured patients do not face out‑of‑pocket cost barriers when receiving medically necessary diagnostic or supplemental breast examinations for breast cancer, thereby promoting timely follow‑up after abnormal screening or enhanced screening for higher‑risk individuals.

Key provisions

  • Applies to: 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 accident and health coverage and that is delivered, issued for delivery, amended or renewed on or before January 1, 2026 (text as drafted in the bill).
  • No cost‑sharing requirement (defined to include deductible, coinsurance, copayment or similar out‑of‑pocket expense) may be imposed on an insured for:
    • Diagnostic breast examinations — medically necessary exams to evaluate an abnormality seen or suspected from a screening or detected by other means.
    • Supplemental breast examinations — medically necessary exams used to screen for breast cancer when no abnormality is evident but screening is recommended because of personal/family history or other elevated risk factors.
  • Examples of covered modalities: contrast‑enhanced mammography, diagnostic mammography, breast MRI, breast ultrasound (language ties appropriateness to National Comprehensive Cancer Network guidelines).
  • HSA/high‑deductible plan exception: if federal law would make an enrollee HSA‑ineligible, the no cost‑sharing rule applies to HSA‑qualified high‑deductible plans only after the enrollee has satisfied the federal minimum deductible; preventive items classified under §223(c)(2)(C) of the Internal Revenue Code remain covered without cost‑sharing regardless of deductible status.
  • The bill states that certain Kansas statutes (K.S.A. 40‑2248 and 40‑2249a) do not apply to this section.

Who is affected

  • Insurers and other entities issuing or administering the listed health coverage types in Kansas.
  • Insured individuals who require diagnostic or supplemental breast imaging — particularly those with abnormal screening results or elevated breast‑cancer risk.
  • State Employee Health Plan: Department of Administration reports no fiscal effect for the State Employee Health Plan because it already provides this coverage.

Fiscal impact (per Fiscal Note)

  • Kansas Division of the Budget (Feb 27, 2025): Department of Insurance indicates no fiscal effect for the agency. Department of Administration indicates no fiscal effect for the State Employee Health Plan (coverage already provided). Any wider fiscal effect was not reflected in the FY 2026 Governor’s Budget Report.

Procedural status / timeline

  • Introduced: January 31, 2025.
  • Referred to: Committee on Insurance.
  • Fiscal Note issued: February 27, 2025.
  • The bill text contains an effectiveness clause stating it takes effect upon publication in the statute book (per the introduced version).

Notes:
- The bill text uses the phrase “delivered, issued for delivery, amended or renewed on or before January 1, 2026.” That timing language is part of the introduced draft; readers may wish to confirm whether the intended application date is correct or whether later revisions amend that date/phrase.
- Multiple unrelated legislative documents exist for bills numbered HB 2296 in various states; this summary addresses the Kansas health‑insurance version reflected in the fiscal note and introduced text.

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

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