This bill mandates that health insurance plans in Minnesota provide coverage for cancer imaging and clinical genetic testing. Specifically, it defines "clinical genetic testing" as germline multigene testing for inherited mutations linked to an increased cancer risk, and "imaging" as evidence-based cancer imaging modalities following the National Comprehensive Cancer Network (NCCN) guidelines. The bill requires that health plans cover imaging for enrollees identified as having an increased cancer risk and clinical genetic testing recommended by healthcare providers for those with a personal or family history of cancer. Importantly, this coverage will not be subject to cost-sharing, such as deductibles or co-payments, and no quantity limitations can be imposed on these services.

Additionally, the bill includes a provision regarding the application of cost-sharing requirements. If the mandated coverage would lead to ineligibility for health savings accounts or catastrophic health plans before an enrollee meets their deductible, the no-cost-sharing requirement will only apply after the deductible is met. The provisions of this bill will take effect on January 1, 2027, and will apply to health plans that are offered, issued, or renewed on or after that date.