IL HB5918: AI USE IN HEALTH INSURANCE ACT

In one paragraph

Illinois's HB 5918 (103rd General Assembly) would have created the Artificial Intelligence Systems Use in Health Insurance Act. An insurer could not issue an adverse consumer outcome (denial, reduction or termination of plans or benefits) resulting solely from an AI system or predictive model, and such decisions would need meaningful human review. It was not passed before the 103rd General Assembly ended (Session Sine Die, January 7, 2025).

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

What it means for business

None: the bill died and never became law. It would have barred insurers from AI-only adverse benefit decisions, required human review, and subjected their AI use to Department of Insurance review.

Key provisions

1. 1The Department of Insurance's oversight of insurers would include their use of AI systems to make or support adverse determinations affecting consumers
2. 2Authorized insurers would be subject to review in an investigation or market conduct action on the development, implementation and use of AI systems or predictive models and their outcomes
3. 3An insurer could not issue an adverse consumer outcome on the denial, reduction or termination of insurance plans or benefits that results solely from the use of an AI system or predictive model
4. 4Any such decision-making process would have to be meaningfully reviewed, under Department rules, by an individual with authority to override the AI system and its determinations
5. 5The Department could adopt emergency rules and rules on standards for full and fair disclosure of an insurer's use of AI systems
6. 6Introduced January 4, 2025 (filed November 25, 2024) and referred to Rules Committee; no further action before Session Sine Die January 7, 2025

Latest legislative action

Jan 7, 2025. Session Sine Die

Sponsors

Related and companion bills

• Illinois HB0035AI USE IN HEALTH INSURANCE ACT