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HI SB2953: Relating To Insurance.

Dead/Failed Hawaii · 2026 session

Last verified Oct 14, 2026 · official bill text

SB2953 · where it stands

This bill did not become law (dead/failed) · last action Jan 30, 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

Hawaii's SB 2953 (2026) would have set rules for insurers' use of AI: a written AI governance program, testing and monitoring, clinician review of AI-supported adverse health determinations, and limits on adverse residential property underwriting actions based solely on aerial images or AI outputs. The Insurance Commissioner would have enforced it. It was referred to CPN/LBT and WAM on January 30, 2026 and was not enacted.

Plain-English summary, written with AI assistance. The official text controls.

What it means for business

None: the bill did not pass. It would have required insurers to govern and test AI, use clinician review for AI health denials and limit aerial-image nonrenewals.

Key provisions

  1. Insurers using AI in consumer-impacting practices would need a risk-based written AI governance program, pre-deployment testing and continuous monitoring, and must give records to the commissioner on request
  2. Health insurers could not use AI as the sole basis for an adverse medical necessity determination and would need review by a licensed clinician and a reviewer with relevant specialty, plus notice of AI use and primary factors
  3. Insurers using AI for medical necessity, prior authorization or utilization management would track denial, approval, appeal, overturn and override rates and time to decision
  4. Residential property: no adverse underwriting action based solely on an aerial image or AI-derived output, except nonrenewal with specified notice; images older than 12 months generally cannot support nonrenewal; at least 60 days to dispute or cure
  5. Only the commissioner could enforce, as an unfair or deceptive practice; no private right of action; would have taken effect July 1, 2026

Latest legislative action

Jan 30, 2026. Referred to CPN/LBT, WAM.

Sponsors (showing 5 of 25)

NameRole
Primary
Primary
Primary
Primary
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Topics and industries

Related topics

AI in InsuranceAI HealthcareAutomated Decision-Making

Affected industries

FinanceHealthcareReal EstateHousing

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

Related AI laws in Hawaii

All Hawaii bills →
SB3027 Relating To The Patients' Bill Of Rights. HB1787 Relating To Health Care. HB2537 Relating To The Patients' Bill Of Rights. SB2167 Relating To The Hawaii Patients' Bill Of Rights And Responsibilities Act. SB2768 Relating To Health Care. SB2281 Relating To The Use Of Artificial Intelligence In Health Care.

Same topic in other states

Nebraska LB77 Adopt the Ensuring Transparency in Prior Authorization Act and provide for insur Maryland HB820 Health Insurance - Utilization Review - Use of Artificial Intelligence Illinois SB3114 TRANSPARENCY IN DOWNCODING ACT Washington SB5395 Making improvements to transparency and accountability in the prior authorizatio Minnesota HF4188 Commerce policy bill (Laws 2026, chapter 124), including article 3, section 6 ba Alabama SB 63 Health care plans; to regulate the use of artificial intelligence in determinati