Objective: To assess changes in screening mammography cost-sharing and utilization before and after the Affordable Care Act (ACA) and the revised United States Preventive Services Task Force (USPSTF) guidelines. To compare mammography cost-sharing between women ages 40-49 and those 50-74. Methods: We used patient-level analytic files between 2004 and 2014 from Clinformatics™ Data Mart (OptumInsight, Eden Prairie, MN). We included women 40-74 years without a history of breast cancer or mastectomy. We conducted an interrupted time series analyses assessing costsharing and utilization trends before and after the ACA implementation and USPSTF revised guidelines. Results: We identified 1,763,959 commercially insured women ages 40-74 years. Between 2004 and 2014, the proportion of women with zero cost-share for screening mammography increased from 81.9% in 2004 to 98.2% in 2014, reaching 93.1% with the 2010 ACA implementation. The adjusted median cost-share remained $0 over time. Initially at 36.0% in 2004, screening utilization peaks at 42.2% in 2009 with the USPSTF guidelines change, dropping to 40.0% in 2014. Comparing women ages 40-49, 50-64 and 65-74, the proportion exposed to cost-sharing declined over time in all groups. Conclusions: A substantial majority of commercially insured women had first dollar coverage for mammography prior to the ACA. After ACA, nearly all women had access to zero cost-share mammography. The lack of an increase in mammography use post-ACA can be partially attributed to a USPSTF guideline change, the high proportion women without cost-sharing prior to ACA, and the relatively low levels of cost-sharing prior to the policy implementation.