WV SB430

Prohibits health insurance plans from imposing deductibles, copayments, coinsurance, or other out-of-pocket costs for diagnostic and supplemental breast examinations including breast MRIs, ultrasounds, and mammograms

Covers diagnostic examinations used to evaluate abnormalities detected through screening or other means, as well as supplemental screenings for individuals with elevated breast cancer risk based on personal or family medical history

Applies to all major insurance types in West Virginia: public employee insurance, individual and group accident/sickness insurance, hospital/medical service corporations, health care corporations, and health maintenance organizations

Includes an exception for Health Savings Account-qualified High Deductible Health Plans, allowing cost-sharing to apply after the enrollee meets the minimum IRS deductible under Section 223, unless the service qualifies as preventive care

Takes effect January 1, 2026 for private insurers and July 1, 2026 for public employee insurance, applying to new and renewed policies