The bill mandates that insurance claim denials be made by qualified human professionals, defined as individuals with relevant expertise and credentials. The Office of Insurance Regulation can conduct examinations under specific conditions.
If you operate in the insurance sector, you must ensure claim denials are reviewed by qualified professionals by [date] or face regulatory penalties.
What do these statuses mean? ▼
Affected Industries
Topics
What This Means
Florida's new legislation requires that all insurance claim denials be made by qualified human professionals, defined by their expertise and credentials, ensuring that automated systems like AI and algorithms cannot solely dictate these decisions. The Office of Insurance Regulation is authorized to conduct market conduct examinations and investigations under specific circumstances.
Key Provisions
- Decisions to deny claims must be made by qualified human professionals with relevant expertise and credentials.
- Prohibits using AI or algorithms as the sole basis for claim denials.
- The Office of Insurance Regulation can conduct compliance examinations when there is a reasonable belief of non-compliance.
Latest Legislative Action
Died in Banking and Insurance
Compliance Checklist
Who: Insurance companies
Deadline: By July 1, 2026
Penalty: Regulatory scrutiny and potential penalties
Who: Insurance companies
Deadline: Ongoing
Penalty: Regulatory scrutiny and potential penalties
Who: Insurance companies
Deadline: By July 1, 2026
Penalty: Regulatory scrutiny and potential penalties
Related & Companion Bills
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