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MN HF4188: Commerce policy bill (Laws 2026, chapter 124), including article 3, section 6 barring utilization review organizations from using artificial intellig…

Enacted Minnesota · 2025–2026 session

Last verified Oct 12, 2026 · official bill text

HF4188 · where it stands

4 of 5 steps complete
  1. Introduced Complete
  2. Passed first chamber Complete
  3. Passed both chambers Complete
  4. Enacted Complete
  5. Effective Date not recorded
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.
View full title

Commerce policy bill (Laws 2026, chapter 124), including article 3, section 6 barring utilization review organizations from using artificial intelligence exclusively to make adverse determinations

In one paragraph

Minnesota's 2026 commerce omnibus (Laws 2026, chapter 124) adds an AI rule to the state's utilization review law. Article 3, section 6 amends Minn. Stat. 62M.09, subd. 3 to prohibit a utilization review organization from exclusively using artificial intelligence to make an adverse determination on coverage of benefits; a clinician must review the denial. AI may still be used in other parts of the review process. Article 1, section 61 also routes civil penalties under the 2026 nudification ban to the victims of crime account. The rest of the act is not AI-related.

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

What it means for business

Health plans and utilization review vendors in Minnesota cannot let AI tools deny coverage on their own; a clinician must review every adverse determination.

Key provisions

  1. Art. 3, s. 6 (Minn. Stat. 62M.09, subd. 3): a utilization review organization may not exclusively use artificial intelligence to make an adverse determination for coverage of benefits
  2. Clinician review is required for adverse determinations
  3. Builds on 62M.09's existing rule that a physician (or pharmacist for drugs) reviews adverse clinical determinations
  4. Art. 1, s. 61: civil penalties recovered under the nudification ban (Laws 2026, ch. 72) go to the victims of crime account
  5. The rest of this commerce omnibus is not AI-related

Latest legislative action

May 27, 2026. Governor approval; filed with the Secretary of State as Chapter 124 (May 27, 2026)

Topics and industries

Related topics

AI in InsuranceAI HealthcareAutomated Decision-Making

Affected industries

FinanceHealthcareTechnology

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 Minnesota

All Minnesota bills →
HF2500 Algorithm and AI use prohibited during health insurance prior authorization requ SF3984 Prior authorization usage of algorithms or artificial intelligence prohibition p HF4138 Social media platforms; requirements related to accounts for minors established SF4573 Certain use of artificial intelligence prohibition provision SF3098 Prohibition from using artificial intelligence to dynamically set product prices SF4689 Use of automated decision systems in employment settings regulation

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 Alabama SB 63 Health care plans; to regulate the use of artificial intelligence in determinati Iowa HF2635 A bill for an act relating to health carriers standards of conduct; utilization