Find It Early Act

Key Points

• Requires health plans to cover extra breast cancer screening and follow-up imaging with no copays or deductibles for people at higher risk or with very dense breast tissue, starting with plan years on or after Jan. 1, 2026.
• Applies to many types of breast imaging when a person’s risk level or a clinician’s judgment supports it, including 2D/3D mammograms, ultrasound, and MRI, at the timing recommended by national clinical guidelines.
• Extends the no-cost rule beyond private insurance to major public coverage too: Medicare (including Medicare Advantage), Medicaid (with limited timing flexibility if a state needs a new law), TRICARE, and Veterans Affairs care.
• For people who qualify, the main day-to-day change is fewer surprise bills for “additional” screening (like an ultrasound after a mammogram) that can happen when you’re high risk or have dense tissue.
• Insurance and public programs would have to update coverage rules and billing so eligible patients aren’t charged cost-sharing for these recommended screenings and diagnostic tests.