House Bill 484 amends Tennessee law to require health insurers and TennCare health benefit plans to provide coverage for biomarker testing, effective January 1, 2026. The bill defines key terms such as "biomarker," "biomarker testing," "health benefit plan," and "health insurer," and outlines the conditions under which biomarker testing must be covered. Specifically, coverage is mandated for tests that are supported by medical and scientific evidence, including FDA-approved tests, indications for FDA-approved drugs, and nationally recognized clinical practice guidelines. The bill also stipulates that health insurers must ensure coverage is provided in a manner that minimizes disruptions in patient care and outlines the process for prior authorization requests.

Additionally, the bill establishes that both health insurers and TennCare must provide a clear and accessible process for patients and healthcare providers to request exceptions to coverage policies or adverse utilization review determinations. The director of TennCare is authorized to seek federal waivers as necessary to implement these provisions. The commissioner of commerce and insurance is tasked with promulgating rules to effectuate the bill, which takes effect upon becoming law.