Insurance, Health, Accident - As introduced, requires that a health plan, or an insurer offering a health plan, include coverage for clinical genetic testing for an inherited gene mutation for an individual with a personal or family history of cancer that is recommended by a healthcare professional, and evidence-based cancer imaging for an individual with an increased risk of cancer as recommended by National Comprehensive Cancer Network clinical practice guidelines. - Amends TCA Title 4; Title 56 and Title 71.

HB 1775 requires Tennessee health plans and insurers to cover two specific cancer-related services without out-of-pocket costs: genetic testing for inherited cancer risks (for individuals with personal or family cancer history, as recommended by a doctor) and evidence-based cancer imaging (for high-risk individuals per National Comprehensive Cancer Network guidelines). This applies to all health plans issued, amended, or renewed on or after July 1, 2026. The bill directly affects insurers by mandating coverage and patients with cancer risk factors by removing cost barriers to these screenings. It does not alter existing health savings account rules but ensures these preventive services are fully covered under the plan.