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IL SB 1425: AI USE IN HEALTH INSURANCE ACT

In Committee Illinois

Last verified Oct 25, 2026 · official bill text

SB 1425 · where it stands

1 of 5 steps complete
  1. Introduced In committee
  2. Passed first chamber
  3. Passed both chambers
  4. Enacted
  5. Effective
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

Illinois's SB 1425 (104th General Assembly) would create the Artificial Intelligence Systems Use in Health Insurance Act. It would place an insurer's use of AI systems to make or support adverse determinations under Department of Insurance oversight, bar adverse outcomes (denial, reduction or termination of plans or benefits) that result solely from an AI system or predictive model, and require meaningful review by an individual with authority to override. Re-referred to Assignments April 11, 2025.

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

What it means for business

Not law. If enacted, insurers would need meaningful human review of AI-driven denials, reductions or terminations and could be reviewed by the Department of Insurance.

Key provisions

  1. Would create the Artificial Intelligence Systems Use in Health Insurance Act (new Act; also adds 5 ILCS 100/5-45.65)
  2. Insurers authorized in Illinois would be subject to Department of Insurance review in investigations or market conduct actions on their development, use and outcomes of AI systems or predictive models
  3. An insurer would not issue an adverse consumer outcome (denial, reduction or termination of plans or benefits) that results solely from the use of an AI system or predictive model
  4. Such decisions would have to be meaningfully reviewed, under Department rules, by an individual with authority to override the AI system
  5. Department could adopt emergency rules and rules on standards for full and fair disclosure of insurers' use of AI systems
  6. Assigned to Executive and then AI and Social Media; Rule 3-9(a) re-referral to Assignments April 11, 2025

Latest legislative action

Apr 11, 2025. Rule 3-9(a) / Re-referred to Assignments

Sponsors

NameRole
Primary

Topics and industries

Related topics

AI in InsuranceAI HealthcareAutomated Decision-Making

Affected industries

FinanceHealthcare

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 Illinois

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SB3114 TRANSPARENCY IN DOWNCODING ACT HB5395 NETWORK ADEQUACY-STANDARDS HB2472 INS-ADVERSE DETERMINATION HB4735 TRANSPARENCY IN DOWNCODING ACT HB0035 AI USE IN HEALTH INSURANCE ACT HB5918 AI USE IN HEALTH INSURANCE ACT

Same topic in other states

Alabama SB 63 Health care plans; to regulate the use of artificial intelligence in determinati Nebraska LB77 Adopt the Ensuring Transparency in Prior Authorization Act and provide for insur Maryland HB820 Health Insurance - Utilization Review - Use of Artificial Intelligence 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 Iowa HF2635 A bill for an act relating to health carriers standards of conduct; utilization