This bill mandates that all health insurance policies, group health policies, and small employer health benefit plans delivered, issued for delivery, or renewed in South Dakota on or after January 1, 2026, must include coverage for biomarker testing. The testing must be ordered by a qualified healthcare provider and is intended for the diagnosis, treatment, management, or ongoing monitoring of an enrollee's disease or condition, provided that the testing is supported by medical and scientific evidence.

The bill defines "biomarker" as a measurable characteristic indicating a biological or pathogenic process, and "biomarker testing" as the analysis of a patient's tissue, blood, or other biospecimen for the presence of a biomarker. Importantly, the coverage requirement does not extend to policies that offer specified disease or other limited benefit coverage.