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Bill

LD 910

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

132nd Legislature (2025-2026) Introduced by Poppy Arford and 3 co-sponsors

Maine bill to collect health insurance consumer experience data to identify coverage denial patterns and inform insurance regulation; defeated in committee.

Pursuant to Joint Rule 310.3 Placed in Legislative Files (DEAD)
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Bill Summary · LD 910

Legislative bill overview

LD 910 would have required Maine to systematically collect and analyze data on consumer experiences with health insurance, including coverage denials, claims processing, and out-of-pocket costs. The bill aimed to create a comprehensive database to identify patterns in how insurers interact with policyholders and inform future regulatory decisions.

Why is this important

Health insurance data collection directly affects consumer protection and market transparency. Understanding common complaint patterns and denials could reveal systemic issues affecting affordability and access to care, potentially supporting arguments for stricter insurance regulations or reforms.

Potential points of contention

  • Administrative burden and cost: Requiring insurers to report detailed consumer experience data creates compliance costs that could be passed to consumers through higher premiums
  • Data privacy concerns: Collecting sensitive health insurance information raises questions about how personal data would be stored, protected, and potentially shared with regulators
  • Industry opposition: Insurance companies typically resist expanded reporting requirements as they increase oversight and could expose unprofitable business practices to scrutiny

Compiled from official sources — confirm details with the bill’s official record.

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