Find It Early Act
Beginning in January 2026, private health insurance, Medicare, Medicaid, military health plans, and the Department of Veterans Affairs must fully cover breast cancer screening and diagnostic imaging with zero out-of-pocket costs for eligible patients. This requirement applies to individuals who have dense breast tissue, an increased risk of breast cancer, or a doctor's recommendation for testing based on age, race, ethnicity, or medical history. Covered procedures include 2D and 3D mammograms, breast MRIs, ultrasounds, and other specialized imaging recommended by medical guidelines.
What this bill touches.
Who it helps · who it burdens.
Who it helps
- Individuals at increased risk for breast cancer or with dense breast tissueReceive coverage for breast cancer screening and diagnostic imaging (including 2D/3D mammograms, MRIs, and ultrasounds) without any copayments, deductibles, or other out-of-pocket cost-sharing across private insurance, Medicare, Medicaid, TRICARE, and VA health care (Sec. 2(a)–(e)).
Who it burdens
- Private group health plans and health insurance issuersMust provide coverage for recommended breast cancer screening and diagnostic imaging without imposing cost-sharing requirements on enrollees, including under grandfathered health plans (Sec. 2(a)).
- Medicare Advantage organizationsMust cover breast cancer screening and diagnostic imaging for eligible higher-risk enrollees without cost-sharing (Sec. 2(b)).
- State Medicaid programsMust expand Medicaid coverage and benchmark plans to include breast cancer screening and diagnostic imaging without cost-sharing or copayments for eligible enrollees (Sec. 2(c)).
- Department of Veterans AffairsRequired to furnish breast cancer screening and diagnostic imaging with no copayments or fees to eligible veterans at higher risk or with dense breasts, regardless of whether they are enrolled in VA health care (Sec. 2(e)).
The provisions, in plain language.
Requires private group and individual health plans, including grandfathered plans, to cover breast cancer screening and diagnostic imaging—such as 2D and 3D mammograms, MRIs, and ultrasounds—with no out-of-pocket costs for individuals who have dense breast tissue, are at higher risk, or are recommended for screening by a provider, starting January 1, 2026.
Requires Medicare and Medicare Advantage plans to cover breast cancer screening and diagnostic imaging without cost-sharing for eligible individuals who have dense breasts, are at elevated risk, or have provider-identified risk factors, starting January 1, 2026.
Requires state Medicaid programs and benchmark plans to cover breast cancer screening and diagnostic imaging without copays or cost-sharing for individuals with dense breast tissue, increased risk, or other provider-identified risk factors, starting January 1, 2026.
Requires TRICARE and military health programs to provide breast cancer screening and diagnostic imaging without cost-sharing for eligible service members, retirees, and dependents who have dense breasts or higher cancer risk, starting January 1, 2026.
Requires the Department of Veterans Affairs to furnish breast cancer screening and diagnostic imaging without any copayments or fees to eligible veterans at higher risk or with dense breasts, whether or not they are enrolled in VA health care, starting January 1, 2026.