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FL S0202: Mandatory Human Reviews of Insurance Claim Denials

Dead/Failed Florida · 2026 session

Last verified Oct 10, 2026 · official bill text

S0202 · where it stands

This bill did not become law (dead/failed) · last action Mar 13, 2026.

What do these statuses mean?
Introduced
Filed in the legislature; may be waiting for a committee hearing.
Passed a chamber
Approved by one or both chambers; awaiting further action.
Enacted
Signed into law, or became law without a signature or over a veto.
Effective date
The date the law says it takes effect. Once it has passed, the page shows "Effective" and the date. A court order can still block a law; if we know of one, the summary says so.
Dead / vetoed
Vetoed, failed, or the session ended without action.

In one paragraph

Not law: died in committee. Florida's SB 202 would have created s. 627.4263, F.S., requiring that an insurer's decision to deny a claim or part of a claim be made by a qualified human professional who independently analyzes the facts and policy and reviews any AI or algorithm output. AI, machine learning or algorithms could not be the sole basis for adjusting or denying a claim. Denial notices would have had to name the human decision-maker, and the Office of Insurance Regulation could conduct market conduct examinations. It died in Banking and Insurance 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 committee. Had it passed, insurers would have needed a human to decide claim denials and document any AI use.

Key provisions

  1. Insurer's decision to deny a claim or any portion of a claim must be made by a qualified human professional (s. 627.4263(2))
  2. Before deciding, the professional must analyze the claim facts and policy independently and review the accuracy of any AI or algorithm output
  3. AI, machine learning systems or algorithms may not serve as the sole basis for deciding whether to adjust or deny a claim
  4. Insurers must keep records of decision-makers, reviewers, dates and the denial basis including any AI input, and detail the use of such systems in the claims-handling manual
  5. Denial communications must identify the human professional and state that AI or an algorithm was not the sole basis
  6. Office of Insurance Regulation may conduct market conduct examinations; no penalties stated
  7. Filed October 15, 2025; died in Banking and Insurance on March 13, 2026; the House version, CS/CS/HB 527, passed the House 108-0 on March 5, 2026 but died in Senate Rules; would have taken effect July 1, 2026

Latest legislative action

Mar 13, 2026. Died in Banking and Insurance

Related and companion bills

Topics and industries

Related topics

AI in InsuranceAutomated Decision-Making

Affected industries

Finance

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

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