Nevada's Assembly Bill 522 is set to revolutionize health coverage for women at risk of breast cancer by mandating insurance providers to cover BRCA gene screening, genetic counseling, and testing without imposing additional costs or penalties. Introduced on April 24, 2025, the bill aims to eliminate barriers that have historically hindered access to crucial preventive care for women, particularly those with a family history of breast cancer.

Key provisions of AB522 stipulate that health benefit plans issued or renewed after October 1, 2025, must include comprehensive coverage for BRCA-related services. Insurers are prohibited from charging higher deductibles, copayments, or imposing waiting periods for these essential benefits. Furthermore, the bill explicitly forbids any financial incentives that might discourage women from seeking these services or penalize healthcare providers who offer them.

The bill has sparked significant debate among lawmakers and health advocates. Proponents argue that it addresses a critical public health issue, potentially saving lives by facilitating early detection and preventive measures. Critics, however, express concerns about the financial implications for insurance companies and the potential for increased premiums as a result of expanded coverage.

Experts suggest that AB522 could have far-reaching social implications, empowering women to take proactive steps in managing their health without the fear of financial repercussions. If passed, the bill could set a precedent for similar legislation in other states, furthering the national conversation on women's health rights and insurance coverage.

As the legislative session progresses, all eyes will be on the Nevada State Legislature to see if AB522 will pass and how it might reshape the landscape of health insurance in the state.