This bill establishes a new section in Florida law, specifically section 627.42398, which mandates that health insurers and health maintenance organizations provide coverage for cancer imaging and genetic testing. The bill defines key terms such as "cost-sharing requirements," "evidence-based cancer imaging," and "genetic testing for an inherited mutation." It requires coverage for genetic testing for individuals with a personal or family history of cancer, as well as evidence-based cancer imaging for those at increased risk of cancer, in accordance with guidelines from the National Comprehensive Cancer Network.

Importantly, the bill stipulates that the coverage provided under this section cannot be subject to any cost-sharing requirements, meaning that patients will not face out-of-pocket expenses such as deductibles or copayments for these services. However, it includes a provision that addresses potential conflicts with federal law regarding health savings accounts, ensuring that the prohibition on cost-sharing applies only under certain conditions. The act is set to take effect on July 1, 2026.