In one paragraph
Not law: passed the House but died in the Senate when the session ended. Florida's CS/CS/HB 527 (2026) would have let workers' compensation carriers, insurers and HMOs use AI to help process claims but barred AI from being the sole basis for denying or reducing a claim; a qualified human professional would have had to review the facts independently and decide, keep records, and tell claimants in writing. The House passed it 108-0 on March 5, 2026; it died in Senate Rules on March 13, 2026.
Plain-English summary, written with AI assistance. The official text controls.
What it means for business
None: the bill died in the Senate and creates no obligations for workers' compensation carriers, insurers or HMOs in Florida.
Key provisions
- Carriers, insurers and HMOs would have been allowed to use AI or machine learning to help process claims (new ss. 440.131, 627.4263, 641.31091)
- A denial or payment reduction could not be made solely on the basis of an AI or machine learning system and would have had to be made by a qualified human professional with authority to adjust or deny claims
- Before a denial or reduction the professional would have had to analyze the claim facts and the policy terms independently, review the accuracy of any AI output and decide the claim is not payable
- Payers would have kept records of the professional's name, title, business address and unique identifier, the decision date and time, and the basis for the denial or reduction
- Written denials would have had to give contact details instead of a name and state that AI was not the sole basis; claims-handling manuals would have had to describe AI use
- Oversight by the Department of Financial Services (workers' compensation, penalties under s. 440.525) and the Office of Insurance Regulation (market conduct examinations); rulemaking authority
- Passed the House 108-0 on March 5, 2026; died in Senate Rules on March 13, 2026; would have taken effect July 1, 2026
Latest legislative action
Mar 13, 2026. Died in Rules
Topics and industries
Related topics
Affected industries
This page is general information, not legal advice. Summaries are AI-assisted and may contain errors; read the statute for the controlling text and talk to a lawyer about your situation. Full disclaimer · Report an error