Insurance must cover breast cancer screening exams at zero cost
H.R. 3037 — Access to Breast Cancer Diagnosis Act of 2025 · Filed by Debbie Dingell (D-MI) · 65 cosponsors · Introduced Apr 28, 2025 · Referred to committee
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What it does
This bill requires health insurance plans to cover diagnostic and supplemental breast examinations with zero out-of-pocket costs to patients starting January 1, 2026. It applies to group plans, individual insurance, and grandfathered plans, while allowing insurers to require prior authorization and permitting states to offer stronger protections. The bill also exempts high-deductible health savings account plans from losing their tax-advantaged status if they waive the deductible for these breast exams.
Why we flagged it
The bill is a straightforward health-coverage mandate designed to improve access to breast cancer diagnostic services by eliminating patient cost-sharing. It is a public-health intervention, not a market-manipulation or narrow-beneficiary carve-out.
What the text implies
- Diagnostic and supplemental breast exams may increase in volume as cost barriers fall, potentially raising overall insurance claims costs, which could be passed to employers or other enrollees through premium increases.
- The bill's reliance on National Comprehensive Cancer Network Guidelines for medical necessity creates a dependency on private clinical-guideline bodies to define coverage scope; changes to those guidelines could expand or contract covered services without legislative action.
- High-deductible health savings account plans gain a safe harbor to waive deductibles for breast exams without losing tax-advantaged status, potentially creating a two-tier system where HSA-eligible plans offer better breast-cancer coverage than traditional plans.
Section numbers refer to the bill text the analysis read — linked under Primary records below.
Who it affects
Eliminating cost-sharing for diagnostic and supplemental breast examinations removes a direct financial barrier to early cancer detection and follow-up care, which can improve health outcomes and reduce downstream treatment costs. The bill preserves insurers' ability to use prior authorization and respects state laws offering greater protections, balancing access with reasonable utilization controls.
Who stands to gain
- Diagnostic imaging providers (radiology centers, hospitals offering mammography, MRI, ultrasound)
- Health insurance issuers (reduced out-of-pocket revenue offset by potential volume increases and imp
Named in the bill
Public Health Service Act (Title XXVII), Patient Protection and Affordable Care Act (Section 1251), Internal Revenue Code (Section 223), National Comprehensive Cancer Network, Group health plans, Health insurance issuers, High-deductible health plans, Health savings accounts
Where it stands
65 cosponsors: 49 Democrats, 16 Republicans.
- Apr 28, 2025 — Introduced · Congress.gov: “Introduced in House”
- Apr 28, 2025 — Referred to House Committee on Ways and Means and House Committee on Energy and Commerce · Congress.gov: “Referred to the Committee on Energy and Commerce, and in addition to the Committee on Ways and Means, for a…”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Money around this bill
7 lobbying clients named this bill on 10 disclosure filings across 2 quarters, Dec 2025 to Jun 2026. Those filings disclosed $6,100,000 in lobbying spend. A filing names 26 bills on average, so that figure is what each filing reported, not a share belonging to this bill.
More lobbying clients named this bill than 86% of bills with at least one filing.
Debbie Dingell, the sponsor, reported $747,585 in PAC receipts in the 2026 cycle. $3,000 of that came from 1 PAC tied to these lobbying clients.
- American Cancer Society Cancer Action Network Inc — $3,620,000 on 2 filings
- Novartis — $1,410,000 on 1 filing
- GE Healthcare Technologies Inc. — $730,000 on 2 filings
- The Susan G. Komen Breast Cancer Foundation, Inc. Dba Susan G. Komen — $130,000 on 1 filing
- Hadassah, the Women's Zionist Organization of America, Inc. — $120,000 on 2 filings
Lobbying Disclosure Act filings through Jul 21, 2026. A filing shows who paid to lobby on a bill it names, not what changed.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (3,662 characters) on Jun 3, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 16,222 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
Money — Senate Lobbying Disclosure Act filings whose specific-issue field names this bill for quarters ending Dec 2025 to Jun 2026. A filing's amount is reported whole beside the median number of bills a filing names; it is never divided across them. PAC receipts are FEC-reported contributions to the sponsor's candidate committee in the 2026 cycle.
As of — lobbying records through Jul 21, 2026 · page rendered 2026-10-20.
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