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RI H7190: Promotes transparency and accountability in the use of artificial intelligence by health insurers to manage coverage and claims.

Introduced Rhode Island · 2026 session

Last verified Oct 21, 2026 · official bill text

H7190 · where it stands

1 of 5 steps complete
  1. Introduced Complete
  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

Rhode Island H 7190 (2026), as introduced on January 21, 2026, would add chapter 27-84 requiring health insurers to disclose to OHIC and DBR how they use AI to manage claims and coverage and to keep records of AI decisions for at least five years. A non-administrative adverse benefit determination on medically necessary care in which AI made, or was a substantial factor in, the decision would need review and approval by a provider with the same license status as the ordering provider. The text says it takes effect upon passage.

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

What it means for business

No duties for businesses unless enacted. If enacted, health insurers in Rhode Island would have to disclose AI use, keep five-year records and have licensed providers approve AI-driven denials.

Key provisions

  1. Insurers must disclose to OHIC and DBR how they use AI to manage healthcare claims and coverage (27-84-3(a)(1))
  2. Insurers must submit, on request, information including documents and software that permits enforcement
  3. Insurers 'shall maintain documentation of artificial intelligence decisions for at least five (5) years'
  4. Non-administrative adverse benefit determinations on medically necessary care where AI made, or was a substantial factor in, the decision must be approved by a provider with the same license status as the ordering provider (27-84-4(a))
  5. Noncompliance 'shall result in reversal of the non-administrative adverse determination'
  6. DBR/OHIC initial report within 18 months of the effective date, then annually (27-84-3(b)); OHIC makes rules and insurers bear compliance costs (27-84-5)
  7. As introduced; the text says it takes effect upon passage

Latest legislative action

Mar 3, 2026. Committee recommended measure be held for further study

Related and companion bills

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

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