TN HB1775

Requires health insurers to cover genetic testing for inherited cancer-related gene mutations for individuals with a personal or family history of cancer when recommended by a healthcare professional

Mandates coverage for evidence-based cancer imaging for individuals at increased cancer risk, following National Comprehensive Cancer Network (NCCN) clinical practice guidelines

Prohibits insurers from imposing cost-sharing requirements (deductibles, copayments, coinsurance) on covered genetic testing and cancer imaging services

Includes an exception for high-deductible health plans to maintain health savings account (HSA) eligibility, allowing cost-sharing requirements until minimum deductible is met unless services qualify as preventive care under federal law

Takes effect July 1, 2026, applying to health plans issued, amended, or renewed on or after that date