I 
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. VELA´ZQUEZ, 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. MAT-
SUI, 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 Commit-
tees 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 addi-
tional breast screenings for certain individuals at greater 
risk for breast cancer. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
VerDate Sep 11 2014 
20:34 Jan 12, 2026
Jkt 069200
PO 00000
Frm 00001
Fmt 6652
Sfmt 6201
E:\BILLS\H6182.IH
H6182
ssavage on LAPJG3WLY3PROD with BILLS
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Find It Early Act’’. 
SEC. 2. COVERAGE WITH NO COST-SHARING FOR ADDI-
TIONAL BREAST SCREENINGS FOR CERTAIN 
INDIVIDUALS AT GREATER RISK FOR BREAST 
CANCER. 
(a) COVERAGE UNDER GROUP HEALTH PLANS AND 
GROUP
AND
INDIVIDUAL
HEALTH
INSURANCE
COV-
ERAGE.— 
(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 cov-
erage shall provide coverage and shall not impose any cost 
sharing requirements for— 
‘‘(1) with respect to an individual who is at in-
creased risk of breast cancer (as determined in ac-
cordance with the most recent applicable American 
College of Radiology Appropriateness Criteria or the 
VerDate Sep 11 2014 
20:34 Jan 12, 2026
Jkt 069200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6201
E:\BILLS\H6182.IH
H6182
ssavage on LAPJG3WLY3PROD with BILLS
most recent applicable guidelines of the National 
Comprehensive Cancer Network) or with hetero-
geneously or extremely dense breast tissue (as de-
fined by the Breast Imaging Reporting and Data 
System established by the American College of Radi-
ology), screening and diagnostic imaging for the de-
tection of breast cancer, including 2D or 3D mam-
mograms, breast ultrasounds, breast magnetic reso-
nance imaging, molecular breast imaging, contrast- 
enhanced mammography, or other technologies (as 
determined in accordance with such applicable cri-
teria or guidelines), furnished at such frequency as 
is recommended in guidelines set forth by the Na-
tional 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 im-
aging for the detection of breast cancer, including 
2D or 3D mammograms, breast ultrasounds, breast 
magnetic resonance imaging, molecular breast imag-
ing, contrast-enhanced mammography, or other tech-
VerDate Sep 11 2014 
20:34 Jan 12, 2026
Jkt 069200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6201
E:\BILLS\H6182.IH
H6182
ssavage on LAPJG3WLY3PROD with BILLS
nologies (as determined in accordance with such ap-
plicable criteria or guidelines), furnished at such fre-
quency 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 Pa-
tient 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 be-
ginning 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 CER-
TAIN 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 pro-
VerDate Sep 11 2014 
20:34 Jan 12, 2026
Jkt 069200
PO 00000
Frm 00004
Fmt 6652
Sfmt 6201
E:\BILLS\H6182.IH
H6182
ssavage on LAPJG3WLY3PROD with BILLS
vide coverage and shall not impose any cost sharing re-
quirements for— 
‘‘(1) with respect to an individual who is at in-
creased risk of breast cancer (as determined in ac-
cordance 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 hetero-
geneously or extremely dense breast tissue (as de-
fined by the Breast Imaging Reporting and Data 
System established by the American College of Radi-
ology), screening and diagnostic imaging for the de-
tection of breast cancer, including 2D or 3D mam-
mograms, breast ultrasounds, breast magnetic reso-
nance imaging, molecular breast imaging, contrast- 
enhanced mammography, or other technologies (as 
determined in accordance with such applicable cri-
teria or guidelines), furnished at such frequency as 
is recommended in guidelines set forth by the Na-
tional 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 
VerDate Sep 11 2014 
20:34 Jan 12, 2026
Jkt 069200
PO 00000
Frm 00005
Fmt 6652
Sfmt 6201
E:\BILLS\H6182.IH
H6182
ssavage on LAPJG3WLY3PROD with BILLS
factors, including age, race, ethnicity, or personal or 
family medical history, screening and diagnostic im-
aging for the detection of breast cancer, including 
2D or 3D mammograms, breast ultrasounds, breast 
magnetic resonance imaging, molecular breast imag-
ing, contrast-enhanced mammography, or other tech-
nologies (as determined in accordance with such ap-
plicable criteria or guidelines), furnished at such fre-
quency 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 Retire-
ment 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 chap-
ter 100 of the Internal Revenue Code of 1986 
is amended by adding at the end the following 
new section: 
VerDate Sep 11 2014 
20:34 Jan 12, 2026
Jkt 069200
PO 00000
Frm 00006
Fmt 6652
Sfmt 6201
E:\BILLS\H6182.IH
H6182
ssavage on LAPJG3WLY3PROD with BILLS
‘‘SEC. 9826. COVERAGE OF BREAST SCREENINGS FOR CER-
TAIN 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 cov-
erage and shall not impose any cost sharing requirements 
for— 
‘‘(1) with respect to an individual who is at in-
creased risk of breast cancer (as determined in ac-
cordance 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 hetero-
geneously or extremely dense breast tissue (as de-
fined by the Breast Imaging Reporting and Data 
System established by the American College of Radi-
ology), screening and diagnostic imaging for the de-
tection of breast cancer, including 2D or 3D mam-
mograms, breast ultrasounds, breast magnetic reso-
nance imaging, molecular breast imaging, contrast- 
enhanced mammography, or other technologies (as 
determined in accordance with such applicable cri-
teria or guidelines), furnished at such frequency as 
is recommended in guidelines set forth by the Na-
tional Comprehensive Cancer Network; and 
VerDate Sep 11 2014 
20:34 Jan 12, 2026
Jkt 069200
PO 00000
Frm 00007
Fmt 6652
Sfmt 6201
E:\BILLS\H6182.IH
H6182
ssavage on LAPJG3WLY3PROD with BILLS
‘‘(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 im-
aging for the detection of breast cancer, including 
2D or 3D mammograms, breast ultrasounds, breast 
magnetic resonance imaging, molecular breast imag-
ing, contrast-enhanced mammography, or other tech-
nologies (as determined in accordance with such ap-
plicable criteria or guidelines), furnished at such fre-
quency 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— 
VerDate Sep 11 2014 
20:34 Jan 12, 2026
Jkt 069200
PO 00000
Frm 00008
Fmt 6652
Sfmt 6201
E:\BILLS\H6182.IH
H6182
ssavage on LAPJG3WLY3PROD with BILLS
(A) by striking ‘‘(B) recommended’’ and 
inserting ‘‘(B)(i) recommended’’; 
(B) by striking ‘‘Task Force; and’’ and in-
serting ‘‘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 mag-
netic resonance imaging, molecular breast imaging, 
contrast-enhanced mammography, or other tech-
nologies (as determined in accordance with the most 
recent applicable American College of Radiology Ap-
propriateness Criteria or the most recent applicable 
guidelines of the National Comprehensive Cancer 
Network), furnished not more frequently than is rec-
ommended 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 Re-
VerDate Sep 11 2014 
20:34 Jan 12, 2026
Jkt 069200
PO 00000
Frm 00009
Fmt 6652
Sfmt 6201
E:\BILLS\H6182.IH
H6182
ssavage on LAPJG3WLY3PROD with BILLS
porting 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 re-
cent 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 imag-
ing and other technologies described 
in section 1861(ddd)(1)(B)(ii) fur-
nished not more frequently than is 
recommended in guidelines set forth 
VerDate Sep 11 2014 
20:34 Jan 12, 2026
Jkt 069200
PO 00000
Frm 00010
Fmt 6652
Sfmt 6201
E:\BILLS\H6182.IH
H6182
ssavage on LAPJG3WLY3PROD with BILLS
by the National Comprehensive Can-
cer 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 So-
cial Security Act (42 U.S.C. 1396d(a)) is amend-
ed— 
(A) in paragraph (4)— 
(i) by striking ‘‘; and (D)’’ and insert-
ing ‘‘; (D)’’; 
(ii) by striking ‘‘; and (E)’’ and in-
serting ‘‘; (E)’’; 
(iii) by striking ‘‘; and (F)’’ and in-
serting ‘‘; (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 ac-
cordance with the most recent applicable 
American College of Radiology Appro-
priateness Criteria or the most recent ap-
plicable guidelines of the National Com-
prehensive Cancer Network) or with het-
VerDate Sep 11 2014 
20:34 Jan 12, 2026
Jkt 069200
PO 00000
Frm 00011
Fmt 6652
Sfmt 6201
E:\BILLS\H6182.IH
H6182
ssavage on LAPJG3WLY3PROD with BILLS