In one paragraph
Oklahoma's SB 2038 (2026), as introduced, would have barred a health insurance issuer from issuing an adverse consumer outcome (denial, reduction or termination of coverage or benefits) that results from an AI system, required a licensed professional to review and issue such final decisions, and required a disclosure notice. It was referred to a Senate committee February 3, 2026 and died when the session ended May 14, 2026.
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 health insurers from AI-driven coverage denials and required licensed-professional decisions and a disclosure notice, with fines up to $10,000 per violation.
Key provisions
- Would require a licensed professional to issue any final adverse consumer outcome issued by a health insurance issuer (Sec. 2(A))
- Would bar an issuer from issuing an adverse consumer outcome on denial, reduction or termination of coverage or benefits that results from the use of any AI system
- Would require any review of such an AI-driven outcome and all final decisions to be done by a licensed professional, with a disclosure notice to the claimant that a professional, not an AI system, issued the decision
- Would bar an insurer from issuing a final adverse outcome without consulting the claimant's provider on medical necessity; final medical necessity decisions would be made by a licensed health care provider
- Would let the Insurance Commissioner investigate and review AI use to ensure compliance and make rules; an insurer could be fined up to $10,000 per violation (Sec. 2(C)-(E))
- Referred to Senate Business and Insurance February 3, 2026; died when the session ended May 14, 2026
Latest legislative action
Feb 3, 2026. Second Reading referred to Business and Insurance; died when the Oklahoma Legislature's 2026 session ended May 14, 2026
Sponsors
| Name | Role |
|---|---|
| Goodwin | Primary |
| Howard | Primary |
| Kannady | Primary |
Topics and industries
Related topics
Affected industries
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