Insurance Companies, Agents, Brokers, Policies - As enacted, expands the prohibition, from stage 4 advanced metastatic cancer or metastatic blood cancer to any cancer, against a health benefit plan that provides coverage for cancer requiring the use of a step therapy protocol before the health benefit plan provides coverage for an approved prescription drug to an enrollee who has received a diagnosis of cancer. - Amends TCA Title 8; Title 56; Title 63; Title 68 and Title 71.

HB 1956 expands protections for cancer patients by removing restrictions on when health insurance plans must cover approved cancer treatments without requiring "step therapy." The bill changes Tennessee law to prohibit health benefit plans from forcing patients to try less expensive treatments first for *any* cancer diagnosis (previously limited to stage 4 advanced metastatic or blood cancers). This directly affects all health insurance plans covering cancer treatment and enrollees diagnosed with cancer, ensuring coverage for approved drugs without prior step therapy requirements. The law takes effect January 1, 2027, for new or renewed policies.