The civic record
Read. Follow. Verify.Missouri requires health plans to cover cancer-related genetic testing and counseling without cost-sharing
Last action · January 15, 2026: Second Read and Referred S Insurance and Banking CommitteeSponsor: Angela Mosley
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What This Bill Would Do
Health benefit plans in Missouri are required to provide zero-cost-sharing coverage for genetic testing and counseling for individuals at increased risk for cancer, starting January 1, 2027. Insurers are explicitly prohibited from using these genetic test results or counseling sessions in decisions such as setting premiums or determining coverage eligibility.
Enrollees with a personal or family history of cancer gain full insurance coverage for specialized clinical screenings without out-of-pocket expenses, while insurance carriers face statutory restrictions on how genetic health data can influence and pricing.
- Missouri Senate Bill 1113 was introduced during the Second Regular Session of the 103rd General Assembly by Senator Angela Mosley. context
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
Individuals at increased risk for cancer
Individuals with a personal or family history of cancer receive mandated insurance coverage for genetic counseling and laboratory tests without cost-sharing requirements.
Health carriers and health benefit plans
Health insurers are required to cover genetic counseling and testing services starting January 1, 2027, and are prohibited from utilizing genetic test results in underwriting or pricing decisions.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
When does the new health plan coverage requirement take effect?
Can insurance companies raise my premiums based on the results of my genetic test?
What else do you want to know?
News Coverage
Check Your Understanding
1.What does bill version 3361S.01I prohibit health benefit plans or health carriers from doing regarding genetic testing and counseling?
2.How does bill version 3361S.01I address cost-sharing requirements for the mandated genetic counseling and testing coverage?
3.According to bill version 3361S.01I, what requirement is placed on health benefit plans regarding genetic counseling and testing?
Follow the record
Votes, people, money & the original sourceWhere This Stands
Currently in committee. The next step in the legislative lifecycle is Floor Vote.
Procedural history
3 actions- Jan 15, 2026SenateFloorSecond Read and Referred S Insurance and Banking Committee
- Jan 7, 2026SenateIntroducedS First Read
- Dec 1, 2025SenatePrefiled
Version history
Only one version on file - nothing to compare yet. The text on record is the 3361S.01I - Introduced version. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Prohibition of Genetic Underwriting
The bill explicitly forbids health carriers from utilizing genetic screening results to determine coverage eligibility or calculate insurance premiums.
Connected Entities
Sources
www.senate.mo.gov
Analysis Score
0–100- Significance75How much this matters to a regular citizen
- Controversy40Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz35Current news / social attention level
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