This bill requires health insurance plans to cover lung cancer screenings for adults age 40 and older without any out-of-pocket costs, regardless of smoking history. Currently, insurance covers lung cancer screening only starting at age 55 for people with significant smoking histories, while breast and prostate cancer screenings begin at younger ages with no cost sharing. The legislation aims to catch lung cancer earlier when survival rates are much higher, noting that while early-stage breast cancer has a 90 percent five-year survival rate, overall lung cancer survival is only 19 percent because cases are typically diagnosed at later stages. The law applies to both group health plans and individual health insurance policies. The requirement takes effect for health plan years beginning on or after January 1, 2026.
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