CO SB296

Requires insurance policies to cover annual breast cancer screenings for individuals with at least one risk factor, including family history of breast cancer, being 40 years of age or older, or increased lifetime risk determined by models such as Tyrer-Cuzick, BRCAPRO, or GAIL

Eliminates cost-sharing requirements (deductibles, coinsurance, copayments) for breast cancer screening studies, diagnostic examinations, and supplemental examinations of the breast

Mandates coverage for medically necessary diagnostic and supplemental breast examinations using various imaging modalities including contrast-enhanced mammography, breast MRI, breast ultrasound, and molecular breast imaging, in accordance with National Comprehensive Cancer Network guidelines

Includes provisions for Health Savings Account (HSA) holders, allowing the requirements to apply after the minimum deductible under federal tax code Section 223 is satisfied, except for services classified as preventive care

Takes effect 90 days after the legislative session ends, unless a referendum petition is filed, in which case it would require voter approval at the November 2026 general election