New Florida Law Covers More Than Mammograms

Big changes are coming to breast cancer screening coverage for Florida’s state workers in 2026.

As of January 1, Senate Bill 158 eliminates cost-sharing for both diagnostic and supplemental breast exams for individuals covered under the state group health insurance program. That means state employees won’t have to pay out of pocket for important tests like MRIs and ultrasounds if a mammogram raises concern—or if they need additional screening due to dense breast tissue or other risk factors.

What Changed?

Florida already prohibited cost-sharing for diagnostic mammograms, which are used to evaluate suspicious findings like lumps or changes in the breast. But until now, supplemental imaging like breast MRIs and ultrasounds could still come with a bill.

Under SB 158, that cost barrier is removed. This is especially important for women who require additional screening due to high breast density, prior history or elevated risk factors but have no symptoms.

Why This Is Important

Supplemental imaging can catch cancers that mammograms miss, especially in women with dense breast tissue. MRIs and ultrasounds are sometimes the only way to spot early tumors that might otherwise go undetected.

The new law ensures that women aren’t financially penalized for needing more thorough care.

Who’s Covered?

This law applies specifically to Florida’s state workers enrolled in the state group health insurance plan. That includes teachers, law enforcement, government employees and others on the state plan. It does not extend to private insurance plans—at least not yet.

What to Watch For