This bill aims to prohibit cost-sharing requirements for certain breast imaging examinations under health insurance policies in South Dakota. Specifically, it mandates that health insurance and group health insurance policies cannot impose any out-of-pocket expenses, such as deductibles, coinsurance, or copayments, on individuals for medically necessary screening examinations, diagnostic breast examinations, or supplemental breast examinations. The bill defines these terms and outlines the conditions under which these examinations are considered medically necessary, including evaluations of abnormalities detected through various means and screenings based on personal or family medical history.

Additionally, the bill includes provisions regarding health savings accounts, stating that if the application of this section would render an individual ineligible for a health savings account, the prohibition on cost-sharing will only apply to the deductible of a high deductible health plan after the individual has met the minimum deductible requirements. This ensures that individuals with health savings accounts are not adversely affected while still promoting access to necessary breast health examinations without financial barriers.