HB927: HB927 Insurance; mammogram coverage criteria for females at risk for breast cancer; include certain relatives

Georgia law requires certain health insurance policies to cover mammograms, Pap smears, and prostate-specific antigen tests, and it defines a 'female at risk' for breast cancer partly by her family history. Currently the law only counts a woman whose grandmother, mother, sister, or daughter has had breast cancer. This bill rewrites that family history test in two places in Georgia's insurance code (O.C.G.A. §§ 33-29-3.2 and 33-30-4.2) so that any woman with one or more first or second degree relatives who has had breast cancer qualifies as 'at risk.' First and second degree relatives is a broader medical category that can include fathers, brothers, aunts, uncles, and grandparents, not just the four family members previously named. The other parts of the definition, including personal history of breast cancer or biopsy-proven benign breast disease and not giving birth before age 30, stay the same. The change would take effect July 1, 2025, and apply to insurance policies issued or renewed on or after that date.

• Broadens the family history criteria in the definition of 'female at risk' for breast cancer coverage from four named relatives to any first or second degree relative.
• Makes this change identically in two separate Code sections covering different types of insurance policies (O.C.G.A. §§ 33-29-3.2 and 33-30-4.2).
• Leaves unchanged the other parts of the at-risk definition, including personal history of breast cancer or benign breast disease and not having given birth before age 30.
• Sets the change to take effect July 1, 2025, applying to policies issued, delivered, or renewed on or after that date.

Women covered by Georgia-regulated health insurance policies who seek mammogram coverage based on family history of breast cancer, and the insurance companies that must apply the updated definition when deciding what counts as being 'at risk.'

Women whose relatives such as an aunt, grandmother, or father's side of the family had breast cancer, but who did not qualify under the old narrower list of relatives, could now be classified as 'at risk' and gain access to insurance-covered mammogram screening under Georgia law.

• Section 1 revises O.C.G.A. § 33-29-3.2(a)(1) to replace the specific relative list (grandmother, mother, sister, daughter) with 'one or more first or second degree relatives.'
• Section 2 makes the identical revision to O.C.G.A. § 33-30-4.2(a)(1), a parallel insurance coverage statute.
• Section 3 sets the effective date as July 1, 2025, applying to policies or contracts issued or renewed on or after that date.
• Section 4 repeals any conflicting laws.

1. 2026-01-12House Second Readers (House)
2. 2025-04-04House First Readers (House)
3. 2025-04-04House Hopper (House)

• Inga Willis (D, HD-055)Primary sponsor
• Omari Crawford (D, HD-089)
• Tanya Miller (D, HD-062)
• Mekyah McQueen (D, HD-061)
• Edna Jackson (D, HD-165)

• health insurance
• breast cancer screening
• mammogram coverage
• women's health