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 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 personal or family cancer histories. Importantly, this coverage is not subject to any cost-sharing, such as deductibles or co-payments.

Additionally, the bill includes a provision regarding the application of cost-sharing rules in relation to health savings accounts and catastrophic health plans. If the required coverage would make an enrollee ineligible for these plans before meeting their deductible, the coverage for imaging and clinical genetic testing will only apply after the deductible is met. The new provisions will take effect on January 1, 2026, and will apply to health plans that are offered, issued, or renewed after that date.