H.R. 6182

[Congressional Bills 119th Congress]
[From the U.S. Government Publishing Office]
[H.R. 6182 Introduced in House (IH)]

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119th CONGRESS
1st Session
H. R. 6182

To provide for health coverage with no cost-sharing for additional 
breast screenings for certain individuals at greater risk for breast 
cancer.

_______________________________________________________________________

IN THE HOUSE OF REPRESENTATIVES

November 20, 2025

Ms. DeLauro (for herself, Mr. Fitzpatrick, Mr. Murphy, Mr. Landsman, 
Mrs. Beatty, Ms. Velazquez, Ms. Simon, Mr. Doggett, Mr. Quigley, Mr. 
Nadler, Mr. Tonko, Mr. Larson of Connecticut, Ms. Houlahan, Mr. 
Schneider, Ms. Scholten, Ms. Sewell, Mr. Casten, Ms. Chu, Mr. 
Bresnahan, Mr. Pocan, Ms. Schakowsky, Ms. Castor of Florida, Mr. 
Goldman of New York, Mrs. Hayes, Ms. Matsui, Ms. Jayapal, Mr. Lawler, 
Mr. Gottheimer, Mr. Bishop, Mrs. Watson Coleman, Mr. Cohen, Ms. Norton, 
Ms. Lee of Pennsylvania, Ms. Van Duyne, Mr. Costa, Ms. Wasserman 
Schultz, Mrs. McClain Delaney, Ms. Stevens, Mr. Himes, Mr. Thanedar, 
Mrs. Trahan, and Mr. Deluzio) introduced the following bill; which was 
referred to the Committee on Energy and Commerce, and in addition to 
the Committees on Ways and Means, Education and Workforce, Armed 
Services, and Veterans' Affairs, for a period to be subsequently 
determined by the Speaker, in each case for consideration of such 
provisions as fall within the jurisdiction of the committee concerned

_______________________________________________________________________

A BILL

To provide for health coverage with no cost-sharing for additional 
breast screenings for certain individuals at greater risk for breast 
cancer.

Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

This Act may be cited as the ``Find It Early Act''.

SEC. 2. COVERAGE WITH NO COST-SHARING FOR ADDITIONAL BREAST SCREENINGS 
FOR CERTAIN INDIVIDUALS AT GREATER RISK FOR BREAST 
CANCER.

(a) Coverage Under Group Health Plans and Group and Individual 
Health Insurance Coverage.--
(1) PHSA.--
(A) In general.--Part D of title XXVII of the 
Public Health Service Act (42 U.S.C. 300gg-111 et seq.) 
is amended by adding at the end the following new 
section:

``SEC. 2799A-11. COVERAGE OF BREAST SCREENINGS FOR CERTAIN INDIVIDUALS 
AT INCREASED RISK FOR BREAST CANCER.

``With respect to plan years beginning on or after anuary 1, 2026, 
a group health plan or health insurance issuer offering group or 
individual health insurance coverage shall provide coverage and shall 
not impose any cost sharing requirements for--
``(1) with respect to an individual who is at increased 
risk of breast cancer (as determined in accordance with the 
most recent applicable American College of Radiology 
Appropriateness Criteria or the most recent applicable 
guidelines of the National Comprehensive Cancer Network) or 
with heterogeneously or extremely dense breast tissue (as 
defined by the Breast Imaging Reporting and Data System 
established by the American College of Radiology), screening 
and diagnostic imaging for the detection of breast cancer, 
including 2D or 3D mammograms, breast ultrasounds, breast 
magnetic resonance imaging, molecular breast imaging, contrast-
enhanced mammography, or other technologies (as determined in 
accordance with such applicable criteria or guidelines), 
furnished at such frequency as is recommended in guidelines set 
forth by the National Comprehensive Cancer Network; and
``(2) with respect to an individual who is not described in 
paragraph (1) and who is determined by a health care provider 
(in accordance with such most recent applicable criteria or 
guidelines) to require screening or diagnostic breast imaging 
by reason of factors, including age, race, ethnicity, or 
personal or family medical history, screening and diagnostic 
imaging for the detection of breast cancer, including 2D or 3D 
mammograms, breast ultrasounds, breast magnetic resonance 
imaging, molecular breast imaging, contrast-enhanced 
mammography, or other technologies (as determined in accordance 
with such applicable criteria or guidelines), furnished at such 
frequency as is recommended in guidelines set forth by the 
National Comprehensive Cancer Network.''.
(B) Application to grandfathered health plans.--
Section 1251(a)(5) of the Patient Protection and 
Affordable Care Act (42 U.S.C. 18011(a)(5)) is amended 
by inserting ``, and section 2799A-11 of such Act shall 
apply to grandfathered health plans for plan years 
beginning on or after January 1, 2026'' after ``January 
1, 2022''.
(2) ERISA.--
(A) In general.--Subpart B of part 7 of subtitle B 
of title I of the Employee Retirement Income Security 
Act of 1974 (29 U.S.C. 1185 et seq.) is amended by 
adding at the end the following new section:

``SEC. 726. COVERAGE OF BREAST SCREENINGS FOR CERTAIN INDIVIDUALS AT 
INCREASED RISK FOR BREAST CANCER.

``With respect to plan years beginning on or after January 1, 2026, 
a group health plan or health insurance issuer offering group health 
insurance coverage shall provide coverage and shall not impose any cost 
sharing requirements for--
``(1) with respect to an individual who is at increased 
risk of breast cancer (as determined in accordance with the 
most recent applicable American College of Radiology 
Appropriateness Criteria or the most recent applicable 
guidelines of the National Comprehensive Cancer Network) or 
with heterogeneously or extremely dense breast tissue (as 
defined by the Breast Imaging Reporting and Data System 
established by the American College of Radiology), screening 
and diagnostic imaging for the detection of breast cancer, 
including 2D or 3D mammograms, breast ultrasounds, breast 
magnetic resonance imaging, molecular breast imaging, contrast-
enhanced mammography, or other technologies (as determined in 
accordance with such applicable criteria or guidelines), 
furnished at such frequency as is recommended in guidelines set 
forth by the National Comprehensive Cancer Network; and
``(2) with respect to an individual who is not described in 
paragraph (1) and who is determined by a health care provider 
(in accordance with such most recent applicable criteria or 
guidelines) to require screening or diagnostic breast imaging 
by reason of factors, including age, race, ethnicity, or 
personal or family medical history, screening and diagnostic 
imaging for the detection of breast cancer, including 2D or 3D 
mammograms, breast ultrasounds, breast magnetic resonance 
imaging, molecular breast imaging, contrast-enhanced 
mammography, or other technologies (as determined in accordance 
with such applicable criteria or guidelines), furnished at such 
frequency as is recommended in guidelines set forth by the 
National Comprehensive Cancer Network.''.
(B) Clerical amendment.--The table of contents in 
section 1 of the Employee Retirement Income Security 
Act of 1974 (29 U.S.C. 1001 note) is amended by 
inserting after the item relating to section 725 the 
following new item:

``Sec. 726. Coverage of breast screenings for certain individuals at 
increased risk for breast cancer.''.
(3) IRC.--
(A) In general.--Subchapter B of chapter 100 of the 
Internal Revenue Code of 1986 is amended by adding at 
the end the following new section:

``SEC. 9826. COVERAGE OF BREAST SCREENINGS FOR CERTAIN INDIVIDUALS AT 
INCREASED RISK FOR BREAST CANCER.

``With respect to plan years beginning on or after January 1, 2026, 
a group health plan shall provide coverage and shall not impose any 
cost sharing requirements for--
``(1) with respect to an individual who is at increased 
risk of breast cancer (as determined in accordance with the 
most recent applicable American College of Radiology 
Appropriateness Criteria or the most recent applicable 
guidelines of the National Comprehensive Cancer Network) or 
with heterogeneously or extremely dense breast tissue (as 
defined by the Breast Imaging Reporting and Data System 
established by the American College of Radiology), screening 
and diagnostic imaging for the detection of breast cancer, 
including 2D or 3D mammograms, breast ultrasounds, breast 
magnetic resonance imaging, molecular breast imaging, contrast-
enhanced mammography, or other technologies (as determined in 
accordance with such applicable criteria or guidelines), 
furnished at such frequency as is recommended in guidelines set 
forth by the National Comprehensive Cancer Network; and
``(2) with respect to an individual who is not described in 
paragraph (1) and who is determined by a health care provider 
(in accordance with such most recent applicable criteria or 
guidelines) to require screening or diagnostic breast imaging 
by reason of factors, including age, race, ethnicity, or 
personal or family medical history, screening and diagnostic 
imaging for the detection of breast cancer, including 2D or 3D 
mammograms, breast ultrasounds, breast magnetic resonance 
imaging, molecular breast imaging, contrast-enhanced 
mammography, or other technologies (as determined in accordance 
with such applicable criteria or guidelines), furnished at such 
frequency as is recommended in guidelines set forth by the 
National Comprehensive Cancer Network.''.
(B) Clerical amendment.--The table of sections for 
subchapter B of chapter 100 of such Code is amended by 
adding at the end the following new item:

``Sec. 9826. Coverage of breast screenings for certain individuals at 
increased risk for breast cancer.''.
(b) Coverage Under Medicare.--
(1) In general.--Section 1861(ddd)(1)(B) of the Social 
Security Act (42 U.S.C. 1395x(ddd)(1)(B)) is amended--
(A) by striking ``(B) recommended'' and inserting 
``(B)(i) recommended'';
(B) by striking ``Task Force; and'' and inserting 
``Task Force; or''; and
(C) by adding at the end the following new clause:
``(ii) with respect services furnished on or after January 
1, 2026, screening and diagnostic imaging for the detection of 
breast cancer, including 2D or 3D mammograms, breast 
ultrasounds, breast magnetic resonance imaging, molecular 
breast imaging, contrast-enhanced mammography, or other 
technologies (as determined in accordance with the most recent 
applicable American College of Radiology Appropriateness 
Criteria or the most recent applicable guidelines of the 
National Comprehensive Cancer Network), furnished not more 
frequently than is recommended in guidelines set forth by the 
National Comprehensive Cancer Network to--
``(I) an individual who is at increased risk of 
breast cancer (as determined in accordance with such 
applicable criteria or guidelines) or with 
heterogeneously or extremely dense breast tissue (as 
defined by the Breast Imaging Reporting and Data System 
established by the American College of Radiology); or
``(II) an individual who is not described in 
subclause (I) and who is determined by a health care 
provider (in accordance with such most recent 
applicable criteria or guidelines) to require such 
screening or diagnostic breast imaging by reason of 
factors determined by the Secretary, including age, 
race, ethnicity, or personal or family medical history; 
and''.
(2) Application of no cost-sharing under medicare advantage 
plans.--Section 1852(a)(1)(B) of the Social Security Act (42 
U.S.C. 1395w-22(a)(1)(B)) is amended--
(A) in clause (iv)--
(i) by redesignating subclause (VIII) as 
subclause (IX); and
(ii) by inserting after subclause (VII) the 
following:
``(VIII) Beginning on January 1, 
2026, screening and diagnostic imaging 
and other technologies described in 
section 1861(ddd)(1)(B)(ii) furnished 
not more frequently than is recommended 
in guidelines set forth by the National 
Comprehensive Cancer Network to an 
individual described in such 
section.''; and
(B) in clause (v), by striking ``and (VI)'' and 
inserting ``(VI), and (VIII)''.
(c) Coverage Under Medicaid.--
(1) In general.--Section 1905(a) of the Social Security Act 
(42 U.S.C. 1396d(a)) is amended--
(A) in paragraph (4)--
(i) by striking ``; and (D)'' and inserting 
``; (D)'';
(ii) by striking ``; and (E)'' and 
inserting ``; (E)'';
(iii) by striking ``; and (F)'' and 
inserting ``; (F)''; and
(iv) by inserting before the semicolon at 
the end the following: ``; and (G)(i) with 
respect to an individual who is at increased 
risk of breast cancer (as determined in 
accordance with the most recent applicable 
American College of Radiology Appropriateness 
Criteria or the most recent applicable 
guidelines of the National Comprehensive Cancer 
Network) or with heterogeneously or extremely 
dense breast tissue (as defined by the Breast 
Imaging Reporting and Data System established 
by the American College of Radiology), in 
addition to any other item or service described 
in this subsection, screening and diagnostic 
imaging for the detection of breast cancer, 
including 2D or 3D mammograms, breast 
ultrasounds, breast magnetic resonance imaging, 
molecular breast imaging, contrast-enhanced 
mammography, or other technologies (as 
determined in accordance with such applicable 
criteria or guidelines) furnished not more 
frequently than is recommended in guidelines 
set forth by the National Comprehensive Cancer 
Network; and (ii) with respect to an individual 
who is not described in clause (i) and who is 
determined by a health care provider (in 
accordance with such most recent applicable 
criteria or guidelines) to require screening or 
diagnostic breast imaging by reason of factors, 
including age, race, ethnicity, or personal or 
family medical history, screening and 
diagnostic imaging for the detection of breast 
cancer, including 2D or 3D mammograms, breast 
ultrasounds, breast magnetic resonance imaging, 
molecular breast imaging, contrast-enhanced 
mammography, or other technologies (as 
determined in accordance with such applicable 
criteria or guidelines) furnished not more 
frequently than is recommended in guidelines 
set forth by the National Comprehensive Cancer 
Network''; and
(B) in paragraph (13), in the matter preceding 
subparagraph (A), by inserting ``(other than an item or 
service for which medical assistance is provided 
pursuant to paragraph (4)(G))'' after ``services''.
(2) No cost-sharing for certain breast cancer screening and 
diagnostic imaging.--
(A) In general.--Section 1916 of the Social 
Security Act (42 U.S.C. 1396o) is amended--
(i) in subsection (a)(2)--
(I) in subparagraph (I), by 
striking ``or'' at the end;
(II) in subparagraph (J), by 
striking at the end ``; and'' and 
inserting ``, or''; and
(III) by adding at the end the 
following subparagraph:
``(K) screening and diagnostic imaging and other 
technologies described in clause (i) or (ii) of section 
1904(a)(4)(G) furnished not more frequently than is 
recommended in guidelines set forth by the National 
Comprehensive Cancer Network to an individual described 
in such clause (i) or (ii), respectively; and''; and
(ii) in subsection (b)(2)--
(I) in subparagraph (I), by 
striking ``or'' at the end;
(II) in subparagraph (J), by 
striking at the end ``; and'' and 
inserting ``, or''; and
(III) by adding at the end the 
following subparagraph:
``(K) screening and diagnostic imaging and other 
technologies described in clause (i) or (ii) of section 
1904(a)(4)(G) furnished not more frequently than is 
recommended in guidelines set forth by the National 
Comprehensive Cancer Network to an individual described 
in such clause (i) or (ii), respectively; and''.
(B) Application to alternative cost-sharing.--
Section 1916A(b)(3)(B) of the Social Security Act (42 
U.S.C. 1396o-1(b)(3)(B)) is amended by adding at the 
end the following new clause:
``(xv) Screening and diagnostic imaging and 
other technologies described in clause (i) or 
(ii) of section 1904(a)(4)(G) furnished not 
more frequently than is recommended in 
guidelines set forth by the National 
Comprehensive Cancer Network to an individual 
described in such clause (i) or (ii), 
respectively.''.
(3) Inclusion in benchmark coverage.--Section 1937(b) of 
the Social Security Act (42 U.S.C. 1396u-7(b)) is amended by 
adding at the end the following new paragraph:
``(9) Coverage of certain breast cancer screening and 
diagnostic imaging for certain individuals.--Notwithstanding 
the previous provisions of this section, a State may not 
provide for medical assistance through enrollment of an 
individual with benchmark coverage or benchmark-equivalent 
coverage under this section unless such coverage includes 
medical assistance for screening and diagnostic imaging and 
other technologies described in clause (i) or (ii) of section 
1904(a)(4)(G) furnished at such frequency as is recommended in 
guidelines set forth by the National Comprehensive Cancer 
Network to an individual described in such clause (i) or (ii), 
respectively.''.
(4) Effective date.--
(A) In general.--Except as provided in subparagraph 
(B), the amendments made by this subsection shall take 
effect on January 1, 2026.
(B) Delay permitted if state legislation 
required.--In the case of a State plan approved under 
title XIX of the Social Security Act which the 
Secretary of Health and Human Services determines 
requires State legislation (other than legislation 
appropriating funds) in order for the plan to meet the 
additional requirements imposed by this section, the 
State plan shall not be regarded as failing to comply 
with the requirements of such title solely on the basis 
of the failure of the plan to meet such additional 
requirements before the first day of the first calendar 
quarter beginning after the close of the first regular 
session of the State legislature that ends after the 1-
year period beginning with the date of the enactment of 
this section. For purposes of the preceding sentence, 
in the case of a State that has a 2-year legislative 
session, each year of the session is deemed to be a 
separate regular session of the State legislature.
(d) Coverage and Elimination of Cost-Sharing Under TRICARE.--
(1) Coverage.--Title 10, United States Code, is amended--
(A) in section 1074d(a), by adding at the end the 
following new paragraph:
``(3) Any member or former member of the uniformed services who is 
entitled to medical care under section 1074 or 1074a of this title and 
is an individual described in subparagraph (B) of section 1079(a)(20) 
of this title shall also be entitled to the items and services 
described in subparagraph (A) of such section (subject to the same 
limitations specified in such subparagraph), as part of such medical 
care.''; and
(B) in section 1079(a), by adding at the end the 
following new paragraph:
``(21)(A) Screening and diagnostic imaging for the 
detection of breast cancer, including 2D or 3D mammograms, 
breast ultrasounds, breast magnetic resonance imaging, 
molecular breast imaging, contrast-enhanced mammography, or 
other technologies (as determined in accordance with the most 
recent applicable criteria or guidelines described in 
subparagraph (B)), shall be provided at such frequency as is 
recommended in guidelines set forth by the National 
Comprehensive Cancer Network if the patient is an individual 
described in subparagraph (B).
``(B) An individual described in this subparagraph is--
``(i) an individual who is at increased risk of 
breast cancer (as determined in accordance with the 
most recent applicable American College of Radiology 
Appropriateness Criteria or the most recent applicable 
guidelines of the National Comprehensive Cancer 
Network) or with heterogeneously or extremely dense 
breast tissue (as defined by the Breast Imaging 
Reporting and Data System established by the American 
College of Radiology); or
``(ii) an individual who is not described in clause 
(i) and who is determined by a health care provider (in 
accordance with such most recent applicable criteria or 
guidelines) to require screening or diagnostic breast 
imaging by reason of factors including age, race, 
ethnicity, or personal or family medical history.''.
(2) Elimination of cost-sharing.--Such title is further 
amended--
(A) in section 1075a, by adding at the end the 
following new subsection:
``(e) Elimination of Cost-Sharing for Certain Breast Cancer-Related 
Items and Services.--Notwithstanding any other provision of this 
section, cost-sharing requirements may not be imposed or collected with 
respect to any beneficiary enrolled in TRICARE Prime for any item or 
service described in subparagraph (A) of section 1079(a)(20) of this 
title provided under TRICARE Prime, in accordance with the limitations 
specified in such subparagraph, if the beneficiary is an individual 
described in subparagraph (B) of such section.'';
(B) in section 1075(c), by adding at the end the 
following new paragraph:
``(4) Notwithstanding any other provision of this section, 
cost-sharing requirements may not be imposed or collected with 
respect to any beneficiary enrolled in TRICARE Select for any 
item or service described in subparagraph (A) of section 
1079(a)(20) of this title provided under TRICARE Select, in 
accordance with the limitations specified in such subparagraph, 
if the beneficiary is an individual described in subparagraph 
(B) of such section.''; and
(C) in section 1086, by adding at the end the 
following new subsection:
``(j) Notwithstanding any other provision of this section, cost-
sharing may not be imposed or collected under a plan contracted for 
under subsection (a) with respect to any individual described in 
subparagraph (B) of section 1079(a)(20) of this title for an item or 
service described in subparagraph (A) of such section and provided in 
accordance with the limitations specified in such subparagraph.''.
(3) Effective date.--The amendments made by this subsection 
shall take effect on January 1, 2026.
(e) Coverage and Elimination of Cost-Sharing With Respect to 
Veterans.--
(1) Coverage and elimination of cost-sharing.--Subchapter 
II of chapter 17 of title 38, United States Code, is amended by 
inserting after section 1720L the following new section:
``Sec. 1720M. Breast screenings for certain individuals at increased 
risk for breast cancer
``(a) Coverage of Items and Services.--
``(1) Coverage.--The Secretary shall furnish to a veteran 
described in paragraph (2) screening and diagnostic imaging for 
the detection of breast cancer, including 2D or 3D mammograms, 
breast ultrasounds, breast magnetic resonance imaging, 
molecular breast imaging, contrast-enhanced mammography, or 
other technologies (as determined in accordance with the most 
recent applicable criteria or guidelines described in such 
paragraph) at such frequency as is recommended in guidelines 
set forth by the National Comprehensive Cancer Network pursuant 
to this section.
``(2) Eligibility.--A veteran described in this paragraph 
is--
``(A) a veteran who is at increased risk of breast 
cancer (as determined in accordance with the most 
recent applicable American College of Radiology 
Appropriateness Criteria or the most recent applicable 
guidelines of the National Comprehensive Cancer 
Network) or with heterogeneously or extremely dense 
breast tissue (as defined by the Breast Imaging 
Reporting and Data System established by the American 
College of Radiology), without regard to whether the 
veteran is enrolled in the system of annual patient 
enrollment established and operated under section 
1705(a) of this title; or
``(B) a veteran who is not described in 
subparagraph (A) and who is determined by a health care 
provider (in accordance with such most recent 
applicable criteria or guidelines) to require screening 
or diagnostic breast imaging by reason of factors 
including age, race, ethnicity, or personal or family 
medical history, without regard to whether the veteran 
is enrolled in the system of annual patient enrollment 
established and operated under section 1705(a) of this 
title.
``(b) Prohibition on Cost-Sharing.--Notwithstanding subsections (f) 
and (g) of section 1710 and section 1722A of this title, the Secretary 
may not require any veteran described in paragraph (2) of subsection 
(a) to make any copayment for, or charge the veteran for any other cost 
of, the receipt of any item or service furnished pursuant to paragraph 
(1) of such subsection.''.
(2) Clerical amendment.--The table of sections at the 
beginning of such chapter is amended by inserting after the 
item relating to section 1720J the following new item:

``1720M. Breast screenings for certain individuals at increased risk 
for breast cancer.''.
(3) Effective date.--The amendments made by this subsection 
shall take effect on January 1, 2026.
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