Environment
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
StateDelawareEnacted
SB 120: AN ACT TO AMEND TITLES 18, 29, AND 31 OF THE DELAWARE CODE RELATING TO HEALTH INSURANCE.
Spiros Mantzavinos
SB 120 status: Enacted — Signed by Governor (updated Sep 8, 2026).
Source
LegiScan
Confidence
High
Analysis basis
LegiScan full bill text
01
What this bill does
Official summary alongside an AI-generated read on where it stands and why.
Overall Score
73OUT OF 100
Score:73/100 civic fit
Risk:Moderate Risk
Impact:Moderate Impact 75/100
Constitutionality95%
Bipartisan90%
Public opinion85%
Bill summary
This Act requires that individual, group, State employee, and public assistance insurance plans provide coverage for biomarker testing, when the test is supported by medical and scientific evidence. The Act applies to all such policies, contracts, or certificates issued, renewed, modified, altered, amended, or reissued after December 31, 2027. This Act is a substitute for and differs from Senate Bill No. 120 in that this Act clarifies that it does not prevent a provision restricting coverage to services by a licensed, certified, or carrier-approved provider or facility, restrict the use of utilization management, or require coverage of biomarker testing for screening purposes or coverage of investigatory and experimental biomarker tests. In addition, the Act differs from Senate Bill No. 120 in that it applies to policies, contracts, or certificates issued, renewed, modified, altered, amended, or reissued after December 31, 2027, rather than December 31, 2026.
02
Impact analysis
✦ AI analysisModeled effects across six domains, estimated from bill text and comparable legislation.
Economy
Mixed / Neutral
45%
Benefits
- Potential reduction in waste by avoiding ineffective treatments
- Improved treatment outcomes lowering long-term chronic care costs
- Market growth for diagnostic testing and genetic analysis services
Risks
- Anticipated increase in health insurance premiums for employers and enrollees
- Increased administrative burden for insurance carrier compliance
- Costs associated with medical necessity review processes
Society
Positive outlook
85%
Benefits
- Increased access to personalized and precision medicine
- Improved diagnostic accuracy for complex diseases
- Better alignment with current medical and scientific evidence
Risks
- Exclusion of screening services limits early detection potential
- Reliance on current clinical guidelines may exclude emerging research
- Possible diagnostic gaps if patient does not meet 'medically necessary' criteria
Technology Industry
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
Civic Accountability
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
Public Health & Safety
Positive outlook
90%
Benefits
- Earlier and more precise identification of disease states
- Optimized patient safety through avoidance of adverse gene-drug interactions
- Improved management of conditions through evidence-based biomarker utilization
Risks
- Utilization management processes may still cause care delays
- Coverage limited strictly to evidence-based indications
- Exclusion of experimental tests may limit access to novel therapies
03
How trustworthy & consequential it is
Sourcing already shown above, this is what the analysis found worth flagging.
Source
LegiScan
Official bill text or data from LegiScan.
Confidence
High
Information is complete and verified.
Analysis basis
LegiScan full bill text
Source used for this bill's analysis.
Source note
Insurance premiums may rise as carriers pass mandate costs to policyholders.
Analysis scope
Does not specify cost impact estimates for state government budgets.
04
Where it stands
Official recordSigned by Governor
- IntroducedComplete
- CommitteeComplete
- Chamber votesComplete
- Final agreementComplete
- GovernorComplete
- EnactedComplete
05
How it affects your district
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06
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