Environment
No direct effect
Neutral — no direct effect identified.
Benefits
- No material direct effect identified.
Risks
- No material direct effect identified.
StateMaineIntroduced
LD 107: An Act To Require Health Insurance Coverage For Biomarker Testing
Sam Zager
LD 107 status: Introduced — Died in Possession of the Senate when the Legislature adjourned Sine Die and was PLACED IN THE LEGISLATIVE FILES. (DEAD) (updated Apr 29, 2026).
Source
OpenStates
Confidence
Low
Analysis basis
OpenStates summary
01
What this bill does
Official summary alongside an AI-generated read on where it stands and why.
Overall Score
70OUT OF 100
Score:70/100 civic fit
Risk:Moderate Risk
Impact:Moderate Impact 60/100
Constitutionality95%
Bipartisan50%
Public opinion80%
Bill summary
What changes
The bill would have mandated that health insurance companies cover costs for biomarker testing used to determine appropriate treatment paths.
Who is affected
Health insurance providers, medical diagnostic facilities, patients with illnesses requiring specialized diagnostics.
Requirements and enforcement
Insurance plans would be required to include these tests as covered benefits, likely shifting diagnostic costs from patients to insurance pools.
Costs and funding
Direct costs to insurance carriers for testing; potential increases in insurance premiums for consumers.
When it takes effect
The bill is no longer active and has died in the legislative files.
Potential benefits
Patients would receive access to targeted treatments based on specific biological markers, potentially improving treatment efficacy.
Risks and tradeoffs
Potential for increased insurance premiums and administrative delays due to pre-authorization processes for new mandated tests.
What is still unknown
The specific scope of covered biomarkers and the thresholds for insurance company compliance were not clearly defined in the available summary.
02
Impact analysis
✦ AI analysisModeled effects across six domains, estimated from bill text and comparable legislation.
Economy
Positive outlook
60%
Benefits
- Consistent reimbursement for diagnostic testing services
- Potentially reduces long-term costs of ineffective treatments
- Standardizes coverage requirements across insurance plans
Risks
- Potential increase in overall insurance premiums
- Increased administrative burden for insurance providers
- Compliance costs for health insurance organizations
Society
Positive outlook
70%
Benefits
- Enhanced access to precision medicine for patients
- Improved diagnostic accuracy for complex illnesses
- Reduced social inequity in accessing advanced diagnostics
Risks
- Complexity in determining patient test eligibility
- Potential for coverage disputes between providers and insurers
- Uneven access based on specific plan exclusions
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
80%
Benefits
- Faster diagnosis for critical conditions
- Optimized use of targeted therapy treatments
- Reduction in use of ineffective or harmful treatments
Risks
- Potential for treatment delays during authorization
- Diagnostic errors from inconsistent test interpretation
- Over-reliance on biomarker data in clinical decisions
03
How trustworthy & consequential it is
Sourcing already shown above, this is what the analysis found worth flagging.
Source
OpenStates
Official bill text or data from OpenStates.
Confidence
Low
Information is limited or incomplete.
Analysis basis
OpenStates summary
Source used for this bill's analysis.
Source note
Mandates for insurance coverage can lead to increased consumer premiums.
Analysis scope
Source quality is limited to a brief summary; full legislative text not reviewed.
04
Where it stands
Official record- IntroducedCurrent
- CommitteeUpcoming
- Chamber votesUpcoming
- Final agreementUpcoming
- GovernorUpcoming
- EnactedUpcoming
05
How it affects your district
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06
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