117 bills across 40 states regulating AI in healthcare — utilization review limits, prior authorization rules, clinical decision-making guardrails, and provider disclosure requirements.
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Editorially curated; each row was checked against the official record (legislature or agency) on October 8, 2026. The full table below updates automatically as new bills are published.
| State | Bill | Status | Effective | What It Does | Source |
|---|---|---|---|---|---|
| Utilization Review | |||||
| Alabama | SB 63 | Enacted (Act 2026-589) | October 1, 2026 | A decision to deny, delay or modify a prior-authorization request based on medical necessity must be made by a licensed physician or other qualified health care professional who can evaluate any AI recommendation; plans must disclose AI use in utilization review. | Primary Source |
| Arizona | HB 2175 | Enacted (Ch. 165, 2025) | July 1, 2026 | Before a claim or prior-authorization denial based on medical necessity, the insurer's medical director must individually review the denial, use independent medical judgment and not rely solely on recommendations from any other source. | Primary Source |
| California | SB 1120 | Enacted (Ch. 879, 2024) | January 1, 2025 | Health plans and disability insurers that use AI for utilization review must base decisions on the enrollee's individual clinical history; a medical-necessity denial must be made by a licensed physician or other licensed health care professional. | Primary Source |
| Indiana | HB 1271 | Enacted (P.L. 88-2026) | July 1, 2026 | Insurers may not use AI as the sole basis to downcode a claim without human review of the medical record, and must disclose AI use in prior-authorization adverse determinations and downcoding. | Primary Source |
| Maryland | HB 820 | Enacted (Ch. 747, 2025) | October 1, 2025 | Carriers, PBMs and private review agents using AI in utilization review must base decisions on individual clinical history, with the final decision by a physician; quarterly adverse-decision reports must state whether AI was used. | Primary Source |
| Nebraska | LB 77 | Enacted (signed June 4, 2025) | January 1, 2026 | AI output may not be the sole basis for denying, delaying or modifying health care services on medical-necessity grounds; AI use in utilization review must be disclosed, including to network providers and enrollees. | Primary Source |
| Texas | SB 815 | Enacted (signed June 20, 2025) | September 1, 2025 | A utilization review agent may not use an automated decision system to make an adverse determination, wholly or partly; only a physician or licensed provider may determine medical necessity. The Department of Insurance may audit AI use. | Primary Source |
| Washington | SB 5395 | Enacted (Ch. 157, 2026) | June 11, 2026 | AI may not be the sole means to deny, delay or modify health care services; medical-necessity denials require review by a licensed provider. Two sections take effect January 1, 2027. | Primary Source |
| State | Bill | Status | Effective | Category | Summary |
|---|---|---|---|---|---|
| Alabama | SB 63 | Enacted (Act 2026-589) | October 1, 2026 | Utilization Review | A decision to deny, delay or modify a prior-authorization request based on medical necessity must be made by a licensed physician or other qualified health care professional who can evaluate any AI recommendation; plans must disclose AI use in utilization review. |
| Alabama | HB280 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Alabama | HB515 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Alabama | SB97 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Arizona | HB 2175 | Enacted (Ch. 165, 2025) | July 1, 2026 | Utilization Review | Before a claim or prior-authorization denial based on medical necessity, the insurer's medical director must individually review the denial, use independent medical judgment and not rely solely on recommendations from any other source. |
| Arizona | HB4080 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Arkansas | HB1816 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Arkansas | HB1297 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| California | SB 1120 | Enacted (Ch. 879, 2024) | January 1, 2025 | Utilization Review | Health plans and disability insurers that use AI for utilization review must base decisions on the enrollee's individual clinical history; a medical-necessity denial must be made by a licensed physician or other licensed health care professional. |
| California | SB1146 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| California | AB3030 | Enacted | January 1, 2025 | Utilization Review & Prior Auth | Regulates AI in healthcare |
| California | AB 1979 | Enacted | January 1, 2027 | Clinical Decision Making | Governs AI-assisted clinical decisions or coding |
| California | SB1120 | Enacted | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| California | AB 2575 | Vetoed | Clinical Decision Making | Governs AI-assisted clinical decisions or coding | |
| California | SB579 | Dead/Failed | Mental Health Chatbots | Regulates AI chatbots for mental health services | |
| California | SB503 | Enacted | January 1, 2027 | Utilization Review & Prior Auth | Regulates AI in healthcare |
| Colorado | SB189 | Enacted | January 1, 2027 | Utilization Review & Prior Auth | Regulates AI in healthcare |
| Colorado | HB 1139 | Enacted | January 1, 2027 | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization |
| Colorado | SB24-205 | Enacted | June 30, 2026 | Provider Disclosure | Requires disclosure of AI use by healthcare providers |
| Connecticut | HB5587 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Connecticut | SB817 | Dead/Failed | Clinical Decision Making | Governs AI-assisted clinical decisions or coding | |
| Connecticut | SB447 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Connecticut | HB5590 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Georgia | SB 444 | Enacted | January 1, 2027 | Utilization Review & Prior Auth | Regulates AI in healthcare |
| Hawaii | HB2537 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| Hawaii | SB2768 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| Hawaii | SB2167 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| Hawaii | HB1787 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| Hawaii | SB2585 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Hawaii | SB3027 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| Illinois | HB5649 | Dead/Failed | Mental Health Chatbots | Regulates AI chatbots for mental health services | |
| Illinois | HB2472 | Enacted | January 1, 2025 | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization |
| Illinois | HB5395 | Enacted | January 1, 2025 | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization |
| Illinois | HB 4804 | In Committee | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Illinois | SB 3702 | In Committee | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Illinois | HB5115 | Dead/Failed | Clinical Decision Making | Governs AI-assisted clinical decisions or coding | |
| Indiana | HB 1271 | Enacted (P.L. 88-2026) | July 1, 2026 | Utilization Review | Insurers may not use AI as the sole basis to downcode a claim without human review of the medical record, and must disclose AI use in prior-authorization adverse determinations and downcoding. |
| Indiana | HB1201 | Dead/Failed | Clinical Decision Making | Governs AI-assisted clinical decisions or coding | |
| Indiana | HB1620 | Dead/Failed | Provider Disclosure | Requires disclosure of AI use by healthcare providers | |
| Iowa | HF2204 | Dead/Failed | Mental Health Chatbots | Regulates AI chatbots for mental health services | |
| Iowa | SF562 | In Committee | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| Iowa | HF2715 | Introduced | Mental Health Chatbots | Regulates AI chatbots for mental health services | |
| Iowa | HSB 766 | In Committee | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Iowa | HF2635 | Enacted | July 1, 2026 | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization |
| Iowa | SF2421 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| Kansas | SB467 | Dead/Failed | Provider Disclosure | Requires disclosure of AI use by healthcare providers | |
| Kentucky | HB641 | Dead/Failed | Mental Health Chatbots | Regulates AI chatbots for mental health services | |
| Louisiana | SB246 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Louisiana | SB5 | Dead/Failed | Mental Health Chatbots | Regulates AI chatbots for mental health services | |
| Maine | LD1301 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Maryland | HB 820 | Enacted (Ch. 747, 2025) | October 1, 2025 | Utilization Review | Carriers, PBMs and private review agents using AI in utilization review must base decisions on individual clinical history, with the final decision by a physician; quarterly adverse-decision reports must state whether AI was used. |
| Maryland | HB697 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Maryland | HB1385 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| Maryland | HB820 | Enacted | October 1, 2025 | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization |
| Massachusetts | H1210 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Massachusetts | S2632 | In Committee | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Massachusetts | S46 | In Committee | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Michigan | HB4536 | In Committee | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Michigan | HB4537 | In Committee | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Minnesota | HF2500 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| Minnesota | SF3984 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| Minnesota | HF4188 | Enacted | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| Mississippi | HB1717 | Dead/Failed | Clinical Decision Making | Governs AI-assisted clinical decisions or coding | |
| Missouri | SB1598 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Nebraska | LB 77 | Enacted (signed June 4, 2025) | January 1, 2026 | Utilization Review | AI output may not be the sole basis for denying, delaying or modifying health care services on medical-necessity grounds; AI use in utilization review must be disclosed, including to network providers and enrollees. |
| Nebraska | LB77 | Enacted | January 1, 2026 | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization |
| Nevada | AB295 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| New Hampshire | HB1406 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| New Jersey | S1029 | Introduced | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| New York | S10241 | Introduced | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| New York | A08556 | In Committee | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| New York | A09149 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| New York | A03991 | In Committee | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| New York | A09219 | In Committee | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| New York | A03993 | In Committee | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| New York | A01456 | In Committee | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| New York | A11048 | In Committee | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| New York | S07896 | In Committee | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| North Carolina | SB963 | In Committee | Mental Health Chatbots | Regulates AI chatbots for mental health services | |
| Ohio | SB164 | In Committee | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Ohio | HB579 | In Committee | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Oklahoma | SB1967 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| Oklahoma | HB3675 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| Oregon | HB4054 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| Pennsylvania | SB1113 | In Committee | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Pennsylvania | HB2175 | In Committee | Mental Health Chatbots | Regulates AI chatbots for mental health services | |
| Pennsylvania | HB1925 | Passed One Chamber | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Rhode Island | S2570 | Enacted | June 22, 2026 | Utilization Review & Prior Auth | Regulates AI in healthcare |
| Rhode Island | H8073 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Rhode Island | H7538 | Enacted | June 22, 2026 | Utilization Review & Prior Auth | Regulates AI in healthcare |
| Rhode Island | SB2010 | Passed One Chamber | Provider Disclosure | Requires disclosure of AI use by healthcare providers | |
| Rhode Island | H7190 | Introduced | Provider Disclosure | Requires disclosure of AI use by healthcare providers | |
| South Carolina | S0443 | In Committee | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| South Carolina | S920 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| South Carolina | S0920 | Introduced | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| South Dakota | SB169 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Tennessee | SB1261 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| Tennessee | HB1382 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| Tennessee | SB 2010 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Tennessee | HB1866 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Texas | SB 815 | Enacted (signed June 20, 2025) | September 1, 2025 | Utilization Review | A utilization review agent may not use an automated decision system to make an adverse determination, wholly or partly; only a physician or licensed provider may determine medical necessity. The Department of Insurance may audit AI use. |
| Texas | HB2922 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| Texas | HB4455 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Texas | SB1411 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| Texas | SB1822 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| Texas | HB149 | Enacted | January 1, 2026 | Utilization Review & Prior Auth | Regulates AI in healthcare |
| Texas | SB 1188 | Enacted | September 1, 2025 | Clinical Decision Making | Governs AI-assisted clinical decisions or coding |
| Texas | SB815 | Enacted | January 1, 2026 | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization |
| Texas | HB4018 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization | |
| United States (Federal) | HB6077 | Introduced | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| United States (Federal) | SB2997 | Introduced | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| United States (Federal) | HB7064 | Introduced | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Utah | HB452 | Enacted | May 7, 2025 | Utilization Review & Prior Auth | Regulates AI in healthcare |
| Vermont | H0776 | Dead/Failed | Utilization Review & Prior Auth | Regulates AI in healthcare | |
| Vermont | H0814 | Enacted | May 18, 2026 | Utilization Review & Prior Auth | Regulates AI in healthcare |
| Washington | SB 5395 | Enacted (Ch. 157, 2026) | June 11, 2026 | Utilization Review | AI may not be the sole means to deny, delay or modify health care services; medical-necessity denials require review by a licensed provider. Two sections take effect January 1, 2027. |
| Washington | SB5395 | Enacted | June 11, 2026 | Utilization Review & Prior Auth | Regulates AI use in utilization review or prior authorization |
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Enacted examples include California SB 1120, Texas SB 815, Maryland HB 820, Nebraska LB 77, Arizona HB 2175, Indiana HB 1271, Washington SB 5395 and Alabama SB 63. Our database tracks 40 states with healthcare AI legislation; the flagship table above lists each law's status and effective date.
Increasingly, not on its own. California requires a licensed physician or other licensed health care professional to make medical-necessity denials; Texas bars utilization review agents from using an automated decision system to make an adverse determination; Nebraska and Washington bar AI from being the sole basis for denying, delaying or modifying care, and Alabama requires a licensed physician or other qualified professional to make those decisions.
In several states. Nebraska LB 77 requires utilization review agents to disclose AI use to the state, network providers, enrollees and on their website. Maryland HB 820 requires quarterly reports stating whether AI was used in adverse decisions. Alabama SB 63 requires prominent written disclosure of AI use in utilization review policies, and Indiana HB 1271 requires disclosure of AI use in adverse determinations and downcoding.