An Act To Collect Data To Better Understand The Consumer'S Health Insurance Experience

This bill requires Maine health insurance carriers to report quarterly on denied claims and prior authorizations starting in 2026. Carriers must track the number of denials and list the five most common reasons for both claim denials and prior authorization denials. The Superintendent of Insurance will compile these reports, along with federal data from the Affordable Care Act, into an annual report submitted to the relevant legislative committee by January 31 each year. The committee may then propose new legislation based on the findings to address patterns in insurance denials.