NV AB382

Expands mandatory health insurance coverage for biomarker testing from cancer-only to any medical condition or disease when supported by medical and scientific evidence, including FDA-approved indications, national coverage determinations, or clinical practice guidelines

Removes the requirement that biomarker testing must be deemed "medically necessary" by a provider before insurers are required to cover it

Applies to all public and private health plans including individual policies, group insurance, health benefit plans, HMOs, managed care organizations, and Medicaid

Requires insurers to respond to prior authorization requests within 24 hours for urgent requests or 72 hours for standard requests, and to maintain accessible exception and appeal processes on their websites

Takes effect January 1, 2026, and contains an unfunded mandate affecting local government health plans under NRS 287.010