Insurance AI regulation addresses the use of artificial intelligence in underwriting decisions, rate-setting algorithms, claims automation, and policyholder risk assessment. As insurers increasingly rely on AI models to price policies and process claims, state regulators are scrutinizing these systems for algorithmic discrimination, lack of transparency, and unfair outcomes for consumers.
The Colorado Division of Insurance has led regulatory action with rules governing algorithmic underwriting and requiring insurers to test AI systems for unfairly discriminatory outcomes. Connecticut SB 1103 established additional requirements for AI use in insurance decisions, and multiple states are developing frameworks to ensure AI-driven insurance practices comply with existing unfair trade practice and anti-discrimination statutes.
AI USE IN HEALTH INSURANCE ACT
The AI Use in Health Insurance Act regulates insurers' use of AI systems for adverse consumer outcomes, ensuring meaningful human review.
Artificial intelligence: defenses.
AB316 proposes adding Section 1714.46 to the Civil Code, addressing civil actions involving AI. This analysis is based on limited information; further details are needed.
Ai, Deepfakes, Cybersecurity, Data Xfers
The bill's text is unreadable, preventing verification of claims about deepfake disclosure and cybersecurity issues.
Creates the Louisiana Artificial Intelligence Insurance Fairness Act (OR +$1,029,533 SG EX See Note)
HB880, the Louisiana Artificial Intelligence Insurance Fairness Act, aims to ensure fairness in AI use in insurance. The fiscal note suggests a $1,029,533 increase, details pending bill text.
Relating to use of artificial intelligence in utilization review conducted for health benefit plans.
This bill addresses the use of artificial intelligence in utilization reviews for health benefit plans in Texas. Specific details, provisions, and penalties require verification from the full bill text.
Prohibits certain discrimination by automated decision systems.
This bill prohibits discrimination by automated decision systems against protected classes in financial and healthcare services.
Artificial intelligence; privileged communications
AZ HB2410: Artificial intelligence; privileged communications claims cannot be verified without full bill text.
Insurance; use of artificial intelligence in making certain decisions regarding coverage; prohibit
HB887 prohibits the use of artificial intelligence in decisions related to insurance coverage, healthcare, and public assistance in Georgia.
Health Insurance - Artificial Intelligence - Grievance Process and Reporting (AI Health Insurance Accountability Act of 2026)
The bill mandates human review of grievances from AI-related adverse health insurance decisions, requires a model review process under certain circumstances, and mandates reporting of grievance details including nature and outcome.
Biometric data and license plate readers-regulation.
WY HB0181 regulates biometric data and license plate readers, prohibiting certain uses and requiring compliance with specified policies.
Algorithmic Addiction Fund – Establishment
The bill establishes the Algorithmic Addiction Fund to address harms to children from social media algorithms, administered by the Maryland Department of Health.
ALGORITHMIC PRICING
The Preventing Algorithmic Pricing Act mandates disclosure of algorithmic pricing based on personal data, prohibits its use under specific conditions, amends the Consumer Fraud and Deceptive Business Practices Act, and limits home rule. It exempts financial services and insurers.
Place requirements on the use of artificial intelligence systems by health carriers in making determinations about the provision of health care services.
SB169 seeks to regulate AI use by health carriers in healthcare decisions in South Dakota, based on the bill's title and description.
AN ACT relating to the promotion of family well-being and making an appropriation therefor.
This bill extends public assistance eligibility, mandates human review of benefits, establishes the Basic Health Program Design Task Force, and directs federal waiver applications.
Algorithmic Addiction Fund - Establishment
The bill establishes the Algorithmic Addiction Fund to address algorithmic addiction treatment and prevention, funded by technology-related settlements.
INS-ADVERSE DETERMINATION
The bill mandates that only clinical peers make adverse determinations in health care plans using automated processes, effective January 1, 2025.
A bill for an act prohibiting the use of an automated decision-making system to alter the price of a product or service for a specific individual based on surveillance data, and providing civil penalties.
This bill prohibits altering prices for individuals using automated systems based on surveillance data. Full bill text is needed for details on civil penalties.
AN ACT relating to the promotion of family well-being and making an appropriation therefor.
The bill extends public assistance eligibility, mandates human review of benefits, establishes tuition waivers for eligible parents, and allows eviction record expungement.
Prior authorization usage of algorithms or artificial intelligence prohibition provision
SF3984 prohibits the use of algorithms or AI in prior authorization processes in Minnesota. Specific exceptions and definitions are not confirmed due to lack of bill text.
Prohibits certain discrimination by automated decision systems.
The bill prohibits discrimination by automated decision systems against protected classes in loans, insurance, and healthcare services.
Algorithm and AI use prohibited during health insurance prior authorization request review.
HF2500 prohibits the use of algorithms and AI in health insurance prior authorization reviews in Minnesota. This analysis is based solely on the official description.
Health Insurance; prohibiting issue of outcomes with AI; requiring decisions to be made by provider; requiring disclosures. Emergency.
SB2038 prohibits AI in health insurance decisions, requires decisions by licensed providers, mandates specific disclosures, and includes an emergency clause for immediate effect.
Relating To The Hawaii Patients' Bill Of Rights And Responsibilities Act.
SB2167 modernizes the Hawaii Patients' Bill of Rights by expanding enforcement authority, improving network adequacy, establishing telehealth parity, and addressing automated decision systems.
Expressing the sense of the House of Representatives that the Centers for Medicare & Medicaid Services should halt the pilot program and should not jeopardize seniors' access to critical health care by utilizing artificial intelligence to determine Medicare coverage.
This bill expresses the House's sense that CMS should stop using AI to determine Medicare coverage to protect seniors' access to healthcare.
An Act Prohibiting Health Insurers From Using Artificial Intelligence As The Primary Method To Deny Health Insurance Claims.
This bill prohibits health insurers in Connecticut from using artificial intelligence as the primary method to deny health insurance claims.
An Act Prohibiting Health Insurers From Using Artificial Intelligence To Deny Health Insurance Claims.
This bill prohibits health insurers from using artificial intelligence to deny health insurance claims.
AN ACT to amend Tennessee Code Annotated, Title 8, Chapter 27; Title 56 and Title 71, relative to health insurance.
HB1382 requires health insurance issuers using AI for utilization review to adhere to specific standards, including compliance with state laws.
AN ACT to amend Tennessee Code Annotated, Title 8, Chapter 27; Title 56 and Title 71, relative to health insurance.
SB1261 amends Tennessee Code to regulate health insurers' use of AI in utilization reviews, ensuring compliance with state and federal laws.
Advertisement claims: health-related consumer products and services: artificial intelligence.
This bill mandates disclosures for AI-generated or altered representations of health care providers in advertisements, with specified exceptions, and provides factors for determining if a person is 'identifiably depicted'.
Relating To The Patients' Bill Of Rights.
HB2537 establishes patient rights regarding timely access to healthcare, requires safeguards for health information, sets timelines for prior authorization, and details provider protections.
Downcoding medical claims.
AB2431 proposes adding sections to the Health and Safety Code and Insurance Code to regulate downcoding medical claims, though specific guidelines for insurers are unconfirmed.
Relating To Insurance.
SB2953 establishes governance and consumer protections for AI use in insurance, requiring rule adoption by the Insurance Commissioner.
Relating To Algorithmic Discrimination.
This bill prohibits algorithmic discrimination in decision-making and mandates transparency and reporting for covered entities, including updating notices within thirty days of changes.
Provides that a person may operate a fully autonomous vehicle on the public roads of this state without a human driver provided that the automated driving system is engaged and the vehicle meets certain conditions; defines terms; requires insurance and that such vehicle is registered as a fully…
This bill allows fully autonomous vehicles to operate on public roads without a human driver, provided certain conditions are met, and permits cities with a population of five million or more to establish local rules for for-hire services.
Insurance, Health, Accident - As introduced, creates the "Regulate Artificial Intelligence (AI) In Health Care Act." - Amends TCA Title 8, Chapter 27; Title 56 and Title 71.
This bill introduces the 'Regulate Artificial Intelligence (AI) In Health Care Act,' amending TCA Title 8, Chapter 27; Title 56 and Title 71. Specific details are unavailable.
Operation of certain autonomous vehicles and on-demand autonomous vehicle networks authorization
SF 4618 authorizes autonomous vehicle operations in Minnesota, detailing safety standards, insurance, and data-sharing protocols, with specific operational conditions.
TRANSPARENCY IN DOWNCODING ACT
IL HB4735: TRANSPARENCY IN DOWNCODING ACT excludes self-insured plans under ERISA and Workers' Compensation-related health care.
SURVEILLANCE-BASED PRICING
HB4985 aims to regulate the use of surveillance data in pricing systems, with enforcement by the Attorney General. The bill includes penalties and private legal actions.
Clarifies that owners of self-driving motor vehicles must comply with existing insurance requirements.
This bill clarifies that owners of self-driving vehicles must comply with existing insurance requirements in New Jersey.
Relating to the use of artificial intelligence-based algorithms by health benefit plan issuers, utilization review agents, health care providers, and physicians.
This bill addresses the use of AI algorithms by health benefit plan issuers, healthcare providers, and physicians in Texas.
An Act to Prohibit the Use of Artificial Intelligence in the Denial of Health Insurance Claims
LD1301 aims to prohibit AI in denying health insurance claims in Maine. This analysis is speculative and subject to change upon review of the full bill text.
A bill for an act relating to utilization review organizations, prior authorizations and exemptions, medical billing, and independent review organizations.
The bill addresses utilization review organizations, prior authorizations, and medical billing practices in Iowa.
AI USE IN HEALTH INSURANCE ACT
The AI Use in Health Insurance Act regulates insurers' use of AI systems for adverse determinations and mandates review processes by authorized individuals.
Prohibits motor vehicle insurers from discrimination on the basis of socioeconomic factors in determining algorithms used to construct actuarial tables, coverage terms, premiums and/or rates.
This bill prohibits motor vehicle insurers in New York from using socioeconomic factors in algorithms for actuarial tables, coverage terms, premiums, and/or rates.
Establishes requirements for health insurance issuers using artificial intelligence or automated decision systems. (8/1/26)
SB246 establishes requirements for health insurance issuers using AI or automated systems, effective August 1, 2026. This preliminary analysis is based on the title and description only.
California Unconditional Benefit Program: employment replaced by automation or artificial intelligence: pilot program.
AB3058 establishes a pilot program to provide $1,000 monthly to individuals unemployed due to AI or automation, effective until January 1, 2029.
Relates to the use of artificial intelligence by insurers and clinical peer reviewers for utilization review; establishes additional notice requirements for adverse determinations.
This bill relates to the use of AI by insurers in utilization reviews and establishes notice requirements for adverse determinations.
Relating to disclosure of the use of artificial intelligence in the denial of insurance claims.
The bill mandates insurers to disclose when AI is used in denying insurance claims, including the basis for the decision and appeal instructions.
Provides that health insurance plans would provide coverage the use of artificial intelligence technology for analysis of breast tissue diagnostic imaging.
Bill H8073 mandates health insurance coverage for AI technology in breast tissue diagnostic imaging in Rhode Island.
Personal rights: automated decision systems.
AB2269 mandates businesses using automated decision systems in California to assess and report on their impact, focusing on bias and discrimination.
Provides that a person may operate a fully autonomous vehicle on the public roads of this state without a human driver provided that the automated driving system is engaged and the vehicle meets certain conditions; defines terms; requires insurance and that such vehicle is registered as a fully…
This bill allows fully autonomous vehicles to operate on public roads without a human driver, provided certain conditions are met, and permits local rules in large cities.
Revises provisions relating to health insurance. (BDR 57-238)
This bill revises health insurance provisions, focusing on prior authorization and the use of AI by insurers, including reporting and penalties for violations.
AI USE IN HEALTH INSURANCE ACT
The AI Use in Health Insurance Act regulates insurers' use of AI systems for adverse consumer outcomes, requiring meaningful human review of decisions.
Elections: Voter Reg./legal Fund/comms
This bill relates to elections, voter registration, candidate legal funds, special needs and absentee voting, and synthetic media in election communications.
Revises provisions relating to transportation network companies. (BDR 58-935)
SB288 allows agreements between monitored autonomous vehicle providers and TNCs for service provision and prohibits local taxes on these services.
Health Insurance - Use of Artificial Intelligence - Human Evaluation
The bill mandates human evaluation by licensed health care professionals for audits and compliance reviews of AI tools used in health insurance utilization reviews.
Insurance Fraud Detection Act; establish trust fund to assist Mississippi Insurance Department in cyber fraud.
The Insurance Fraud Detection Act amends Sections 83-2-33 and 83-5-72 of the Mississippi Code of 1972 to establish a trust fund for the Mississippi Insurance Department.
Relating To Artificial Intelligence.
Establishes consumer protection requirements for AI systems, including disclosures, incident reporting, and classifies certain violations as unfair or deceptive acts or practices.
Artificial intelligence business; attorney general
HB4098's full text is not available, so specific claims about AI business guidelines and the attorney general's oversight role cannot be confirmed or denied.
Promotes transparency and accountability in the use of artificial intelligence by health insurers to manage coverage and claims.
Bill S2010 aims to promote transparency and accountability in AI use by health insurers in Rhode Island. Specific provisions will be included once the full bill text is available.
Health insurance; review agents; artificial intelligence system; adverse determinations; effective date.
HB3675 addresses the use of AI by health insurance review agents in Oklahoma. Specific details cannot be confirmed without the full bill text.
Promotes transparency and accountability in the use of artificial intelligence by health insurers to manage coverage and claims.
This bill aims to promote transparency and accountability in AI use by health insurers in Rhode Island. This analysis is based on the official description, not the full bill text.
Insurance Companies, Agents, Brokers, Policies - As introduced, imposes requirements for health insurance issuers using artificial intelligence, algorithms, or other software for utilization review or utilization management functions. - Amends TCA Title 8, Chapter 27; Title 56 and Title 71.
This bill amends TCA Title 8, Chapter 27; Title 56 and Title 71, proposing requirements for health insurance issuers using AI for utilization review, though specifics are unclear without the full text.
Algorithmic Addiction Fund - Establishment
The bill establishes the Algorithmic Addiction Fund to address harms to children from social media algorithms, managed by the Maryland Department of Health.
Mississippi Medical Judgement Protection Act; create.
MS HB1717: Mississippi Medical Judgement Protection Act; last action pending. Authorizes enforcement by licensing authorities, Department of Insurance, and Division of Medicaid, with specific delayed enforcement provisions. Requires tamper-resistant audit logs.
Regarding The Ownership Of Model Training And Content Generated By A Generative Artificial Intelligence Tool.
This bill's details are currently unreadable, and specific claims about its provisions cannot be verified.
AN ACT relating to autonomous vehicles.
Establishes a regulatory framework for fully autonomous vehicles on Kentucky highways, including insurance, registration, and law enforcement interaction requirements.
Renames the Kingston Avenue train station to the Chabad Lubavitch World Headquarters at Kingston Avenue station
This bill mandates health insurance companies in New York to issue biometric smart cards for patient identification to combat identity fraud.
Establishes the transitional wage insurance program under which the department of labor provides temporary supplemental payments to eligible individuals who accept new employment at a lower wage than their prior employment.
Bill A10183 establishes a transitional wage insurance program in New York for individuals accepting lower-wage employment, administered by the Department of Labor.
Mississippi Consumer Privacy Protection Act; create.
The Mississippi Consumer Privacy Protection Act grants consumers rights over their personal information, mandates data protection assessments, requires clear privacy notices, and includes specific disclosure requirements. It allows compliance with other laws and authorizes the Attorney General to provide relief and civil penalties for violations.
Insurance Department Fraud Detection Trust Fund; rename Insurance Department Fund and redesignate as a special fund.
HB986 proposed renaming and redesignating the Insurance Department Fund but died in committee.
Relating To Consumer Protection.
This bill prohibits surveillance pricing based on electronic surveillance data and deems it an unfair practice, with certain exemptions.
Insurance Department Fraud Detection Trust Fund; rename Insurance Department Fund and redesignate as a special fund.
MS HB1020: Renames the Insurance Department Fund as the 'Insurance Department Fraud Detection Trust Fund', redesignates it as a special fund, and increases contribution caps.
Hospital and Medical Services Utilization Review Act; requiring utilization review organization that uses AI to adhere to requirements; prohibiting AI from making certain determinations. Effective date.
SB1967 requires utilization review organizations using AI to adhere to specific requirements and prohibits AI from making clinical determinations.
Requires certain disclosures by automobile insurers relating to the use of telematics systems in determining insurance rates and/or discounts.
Bill A10364 requires auto insurers to disclose telematics use for rates/discounts. Specifics are not confirmed due to lack of full bill text.
An act relating to the use of artificial intelligence in health care coverage decisions
Bill H0776 addresses the use of artificial intelligence in health care coverage decisions in Vermont. Specific provisions cannot be confirmed as the full bill text is not available.
Relating To Health Care.
The bill mandates licensed provider reviews of specific adverse actions in health insurance utilization reviews involving AI, with guidelines on AI use.
A bill for an act relating to automated decision systems used by employers.
SF2414 addresses the use of automated decision systems by employers in Iowa. Verification from the bill text is needed for claims about transparency and accountability.
Insurance: health insurers; use of artificial intelligence tools to make decisions regarding claims; prohibit. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406ss.
This bill prohibits health insurers in Michigan from using AI to make decisions regarding claims, but specific actions like modifying or delaying are not confirmed.
Human services: medical services; use of artificial intelligence tools to make decisions regarding claims; prohibit. Amends 1939 PA 280 (MCL 400.1 - 400.119b) by adding sec. 107b.
This bill addresses the use of AI in medical claims processes, but details require verification from the full bill text.
Mandatory Human Reviews of Insurance Claim Denials
The bill mandates that insurance claim denials be made by human professionals, prohibiting AI as the sole basis. The Office of Insurance Regulation can conduct examinations under certain circumstances.
AN ACT to amend Tennessee Code Annotated, Title 8, Chapter 27; Title 56 and Title 71, relative to health insurance.
This bill, known as the 'Regulate Artificial Intelligence (AI) In Health Care Act,' amends Tennessee Code Annotated, Title 8, Chapter 27; Title 56 and Title 71.
Private Review Agents; certain decisions with regard to the provision of insurance coverage for healthcare services shall not be based solely on artificial intelligence systems; provide
SB444 amends Georgia law to ensure insurance coverage decisions for healthcare services are not based solely on AI systems, including definitions and related provisions.
Concerning Artificial Intelligence, Algorithms, And Other Automated Technologies; And To Regulate Certain Practices Of Healthcare Insurers.
HB1297 aimed to regulate AI and automated technologies in healthcare insurance but was withdrawn before becoming law.
Various mental health and insurance matters.
The bill prohibits AI from impersonating mental health professionals and sets standards for insurance reimbursement for mental health services.
Relating To Health Care.
The bill restricts AI use in health insurance reviews and mandates licensed provider reviews of adverse actions by carriers.
Requires insurers that sell flood insurance to provide certain policyholders with certain information.
This bill prohibits the use of facial recognition systems without consent, with specific exemptions for law enforcement and public safety.
Colorado Artificial Intelligence Act
The Colorado Artificial Intelligence Act requires governance, reasonable care by developers and deployers of AI systems to prevent algorithmic discrimination, disclosure, impact assessments, and technical documentation.
Synthetic Media: Liability; Elections
SB33 defines synthetic media and outlines obligations for electioneering communications to prevent defamation.
Interim study to examine the impact of artificial intelligence on Nebraska's private and public sectors, including the technology and insurance sectors
This interim study will examine the impact of artificial intelligence on Nebraska's private and public sectors, focusing on technology and insurance.
Clarifies that owners of self-driving motor vehicles must comply with existing insurance requirements.
This bill clarifies that owners of self-driving vehicles in New Jersey must comply with existing insurance requirements.
Regulate the use of artificial intelligence by health insurers
HB579 aims to regulate AI use by health insurers in Ohio, detailing amendments to section 3902.50 and provisions of section 3902.80, including specific AI guidelines.
To Prohibit Healthcare Providers And Healthcare Insurers From Using Artificial Intelligence In The Delivery Of Healthcare Services Or The Generation Of Medical Records Unless Certain Requirements Are Met.
This bill was withdrawn and does not currently impose any requirements or penalties regarding AI use in healthcare.
TAME Extreme Weather and Wildfires Act Transformational Artificial intelligence to Modernize the Economy against Extreme Weather and Wildfires Act
This bill directs the use of AI by NOAA to adapt to extreme weather, enhancing predictive capabilities.
Provides for notice requirements where an insurer authorized to write accident and health insurance in this state, a corporation organized pursuant to article forty-three of this chapter, or a health maintenance organization certified pursuant to article forty-four of the public health law uses…
The bill requires insurers, corporations, and health maintenance organizations using AI in utilization reviews to provide written notice detailing the AI's role, data used, and decision criteria, with no exceptions, at the start of the review process.
Prohibits motor vehicle insurers from discrimination on the basis of socioeconomic factors in determining algorithms used to construct actuarial tables, coverage terms, premiums and/or rates.
Prohibits motor vehicle insurers in New York from using algorithms that discriminate based on socioeconomic factors in actuarial tables, coverage terms, premiums, and/or rates.
Establishes requirements for the use of artificial intelligence, algorithm, or other software tools in utilization review and management; defines artificial intelligence.
Bill A03991 sets requirements for AI, algorithms, and software tools in utilization review and management; the full text is needed to confirm specifics.
Autonomous Vehicles
The bill exempts fully autonomous vehicles from certain regulations, allowing them to operate without a human driver and establishes insurance and operational requirements. It authorizes the Florida Turnpike Enterprise to enter into agreements to fund and operate facilities.
Provides that a person may operate a fully autonomous vehicle on the public roads of this state without a human driver provided that the automated driving system is engaged and the vehicle meets certain conditions; defines terms; requires insurance and that such vehicle is registered as a fully…
This bill allows fully autonomous vehicles to operate on New York public roads without a human driver, provided certain conditions are met.
Algorithmic Addiction Fund - Establishment
The bill establishes the Algorithmic Addiction Fund to address algorithm addiction treatment and prevention, funded by settlements with tech companies.
Mandatory Human Reviews of Insurance Claim Denials
House Bill 527, titled 'Mandatory Human Reviews of Insurance Claim Denials', mandates human review for insurance claim denials by workers' compensation carriers, insurers, and HMOs, prohibiting AI as
Health care coverage: prior authorization.
AB 512 aims to amend timelines for prior authorization responses by health plans and insurers, proposing a 48-hour response for standard requests and 24-hour for urgent ones, with specific definitions and exceptions confirmed in the bill.
Relating To The Patients' Bill Of Rights.
This bill establishes patient rights regarding timely access to care, mandates disclosure of automated decision tools, sets requirements for prior authorization determinations, and expands enforcement authority.
Requires collection of data by health insurers regarding health insurance claims and decisions made using automated utilization management systems.
NJ S1029 requires health insurers to collect data on claims and automated decisions, though specific reporting requirements and penalties are not confirmed.
Disclosure of artificial intelligence use in health care.
The bill mandates health care providers and insurers in Indiana to disclose their use of AI technology in health care decisions and communications with patients.
Providing for artificial intelligence in facilities, for artificial intelligence use by insurers and for artificial intelligence use by MA or CHIP managed care plans; imposing duties on the Department of Health, the Insurance Department and the Department of Human Services; and imposing penalties.
SB1113 amends Titles 35 and 40 to regulate AI in health facilities, insurers, and MA or CHIP managed care plans, detailing departmental duties and imposing penalties.
Advertisement claims: health-related consumer products and services: digital replicas and synthetic performers.
SB1146 mandates disclosures for AI-generated health-related ads, but specific requirements, exemptions, and remedies need verification from the bill text.
An Act Concerning Online Safety.
This bill aims to enhance online safety through comprehensive AI regulations and workforce development initiatives, including safe harbor programs and teacher certification enhancements. The Attorney General, Insurance Commissioner, and Commissioner of Consumer Protection are required to accept applications for safe harbor programs. Synthetic digital content must be detectable as such. The bill also modifies the Technology Talent and Innovation Fund Advisory Committee.
Prohibits discrimination through the use of clinical algorithms; provides exceptions for clinical algorithms that rely on variables to appropriately make decisions, including to identify, evaluate, and address health disparities.
Prohibits discrimination via clinical algorithms; allows exceptions for algorithms using variables to address health disparities.
Relating to use of artificial intelligence in utilization review conducted for health benefit plans.
The bill's text is not available for review, so specific provisions and requirements cannot be confirmed.
Insurance: other; portable electronics insurance; provide for. Amends secs. 1201, 1202, 1207 & 2266 of 1956 PA 218 (MCL 500.1201 et seq.) & adds secs. 1292, 1293, 1294, 1295, 1296 & 1297.
The bill establishes the Surveillance Technology Act, creating an oversight board to regulate surveillance technology used by law enforcement in Michigan.
Health insurance; ethics and fairness in carrier business practices, downcoded claims.
The bill prohibits selling or disseminating AI-generated media of actual persons without disclosing AI use. It is currently in the 'Introduced' status.
Establishes patient safety and quality assurance measures regarding the distribution of patient-specific medication from an insurer-designated pharmacy
The bill establishes a pilot program using biometric technology for Medicaid identification and anti-fraud purposes in New York.
AN ACT RELATING TO INSURANCE -- THE TRANSPARENCY AND ACCOUNTABILITY IN ARTIFICIAL INTELLIGENCE USE BY HEALTH INSURERS TO MANAGE COVERAGE AND CLAIMS ACT
SB 2010 may address AI use by health insurers in Rhode Island; details await full bill text. The bill is under legislative review.
Use of Artificial Intelligence in Health Care
The bill regulates AI use in health care, requiring AI systems to notify users they are not human, prohibiting AI from using human titles, and ensuring AI does not base determinations solely on group data, but also on other relevant factors specified in the bill.
Provides for and regulates the operation and testing of motor vehicles with autonomous technology.
This bill regulates the testing and operation of autonomous vehicles on public highways in New York, ensuring safety and compliance with federal standards, including a $5 million insurance requirement.
To amend title XVIII of the Social Security Act to limit the penalty for late enrollment under part B of the Medicare Program to 15 percent and twice the period of no enrollment, and to exclude periods of COBRA, retiree, and VA coverage from such late enrollment penalty.
The Fair Grocery Pricing Act prohibits food producers from using algorithmic systems to manipulate food prices or supply.
Relating to the use of artificial intelligence-based algorithms in utilization review conducted for certain health benefit plans.
This bill mandates health insurers to disclose the use of AI algorithms in utilization reviews and ensure compliance with bias minimization and clinical guidelines.
California Preventing Algorithmic Collusion Act of 2025.
SB-295 aims to add Chapter 8 to the Business and Professions Code to address algorithmic collusion in California.
Requires certain disclosures by automobile insurers relating to the use of telematics systems in determining insurance rates and/or discounts.
The bill mandates disclosures by auto insurers about telematics systems used in determining insurance rates and discounts.
Insurers' Liabilities and Responsibilities
The bill mandates that insurers must comply with valued policy law and prohibits AI from denying claims, requiring human review instead.
Community Health, Board of; reopen the 2014 open enrollment; major medical facility declared out of network; define certain terms (PF)
The bill requires reopening the 2014 open enrollment period for employees affected by out-of-network designations by their medical claims administrator.
Prescribes requirements and safeguards for the use of an artificial intelligence, algorithm, or other software tool for the purpose of utilization review for health and accident insurance.
This bill prescribes requirements and safeguards for AI and algorithms in health insurance utilization reviews.
Prescribes requirements and safeguards for the use of an artificial intelligence, algorithm, or other software tool for the purpose of utilization review for health and accident insurance.
The bill mandates transparency and accountability in AI use for utilization reviews in New York, requiring insurers to comply with new standards and altering healthcare provider processes.
Relating to the use of certain automated systems in, and certain adverse determinations made in connection with, the health benefit claims process.
SB815 pertains to the use of automated systems and adverse determinations in Texas health benefit claims, with specific details pending the full bill text.
Mandatory Human Reviews of Insurance Claim Denials
This bill mandates that insurance claim denials be made by qualified human professionals, prohibiting sole reliance on AI.
TRANSPARENCY IN DOWNCODING ACT
The Transparency in Downcoding Act regulates downcoding practices, prohibits discriminatory practices against certain health care professionals, and sets notification and dispute processes.
Provides that every insurance policy delivered or issued for delivery in New York which provides major medical or similar comprehensive-type coverage shall provide space on any enrollment, renewal or initial online portal process forms so that the insured or applicant for insurance shall register…
This bill mandates that insurance policies in New York include options for applicants to register or decline registration in the Donate Life Registry.
VEH CD-AUTONOMOUS VEHICLES
This bill establishes regulations for autonomous vehicles in Illinois, including definitions and insurance requirements.
Unauthorized use of name, portrait, etc.; digital replica, civil liability, statute of limitations.
This bill expands civil liability for unauthorized use of a person's digital replica, requires platforms to remove such replicas upon notification, and extends the statute of limitations for related claims.
Prohibits the use of external consumer data and information sources being used when determining insurance rates; provides that no insurer shall unfairly discriminate based on race, color, national or ethnic origin, religion, sex, sexual orientation, disability, gender identity, or gender…
This bill prohibits insurers from using external consumer data and predictive models that unfairly discriminate based on protected characteristics.
AI USE IN HEALTH INSURANCE ACT
The analysis of SB 1425 is based solely on its title due to the unavailability of the full bill text. Check the Illinois General Assembly website for updates.
Clarifies the right of publicity including the definitions of who and what qualifies as a digital replica; provides guidance as to digital replicas that do not violate an individual or deceased individual's right to publicity; expands the statute of limitations for an action brought for violating…
This bill clarifies the right of publicity, addresses digital replicas, and discusses the statute of limitations for related claims.
Provides that a person may operate a fully autonomous vehicle on the public roads of this state without a human driver provided that the automated driving system is engaged and the vehicle meets certain conditions; defines terms; requires insurance and that such vehicle is registered as a fully…
The bill allows fully autonomous vehicles to operate on New York roads without a human driver if conditions such as an engaged automated driving system, insurance, and registration are met. Note: This analysis is based on the official description and may not cover all conditions or restrictions present in the full bill text.
Provides that a person may operate a fully autonomous vehicle on the public roads of this state without a human driver provided that the automated driving system is engaged and the vehicle meets certain conditions; defines terms; requires insurance and that such vehicle is registered as a fully…
NY A03650: Allows operation of fully autonomous vehicles on public roads without a human driver if the vehicle meets specific safety conditions, is registered, and insured.
Health Insurance - Special Enrollment Period for Newly Hired Employees of Small Businesses
This bill mandates a 60-day special enrollment period for health insurance for newly hired employees and their dependents of small businesses that do not offer employer-sponsored health plans in Maryland.
Education benefits for veterans. Excludes from the determination of financial eligibility for need based financial aid certain benefits received by veteran students. Provides for state educational institution students who are members of the Indiana National Guard, the National Guard of a state…
HB1047 allows expired child sexual abuse claims against certain entities in bankruptcy until July 1, 2025, and defines AI-generated images as intimate images.
An Act Prohibiting Health Carriers From Using Artificial Intelligence In The Evaluation And Determination Of Patient Care.
SB447 prohibits health carriers from using AI in patient care evaluations to ensure patient access to necessary medical services.
Health Claims & AI
This bill mandates that a health care professional, as defined in Section 44-30-20, supervise and review healthcare coverage decisions made using automated decision-making tools.
Prohibits the use of external consumer data and information sources being used when determining insurance rates; provides that no insurer shall unfairly discriminate based on race, color, national or ethnic origin, religion, sex, sexual orientation, disability, gender identity, or gender…
This bill prohibits insurers from using external consumer data and algorithms that unfairly discriminate based on protected characteristics.
Provides for notice requirements where an insurer authorized to write accident and health insurance in this state, a corporation organized pursuant to article forty-three of this chapter, or a health maintenance organization certified pursuant to article forty-four of the public health law uses…
This bill mandates insurers to notify insureds about the use of AI in utilization reviews and requires submission of AI algorithms to the department.
Provides that a person may operate a fully autonomous vehicle on the public roads of this state without a human driver provided that the automated driving system is engaged and the vehicle meets certain conditions; defines terms; requires insurance and that such vehicle is registered as a fully…
This bill allows fully autonomous vehicles to operate on public roads without a human driver, provided certain conditions are met.
Health care plans; to regulate the use of artificial intelligence in determinations of coverage
SB 63 proposes to regulate AI use in health care coverage decisions in Alabama, officially described as 'Insurance'. Specific guidelines cannot be confirmed.
Drive My Car Act.
SB 1315, the Drive My Car Act, proposes adding a new chapter to the Insurance Code concerning autonomous vehicles, but specific provisions are not detailed due to lack of full bill text.
AN ACT relating to privacy protection.
This bill establishes regulations for automated license plate readers, including data retention limits, usage policies for law enforcement, a permit process, and requires the Transportation Cabinet to amend KRS 189.990 to establish penalties for violations.
Use of artificial intelligence in psychotherapy services regulated, and civil penalties provided.
HF3893 aims to regulate AI use in psychotherapy services in Minnesota, but without the bill text, no specific claims about its content can be made.
Internet and E-mail Fraud; the criminal offense of digital identity fraud; establish
SB594 seeks to establish the criminal offense of digital identity fraud in Georgia, providing for criminal and civil penalties, a cause of action and damages, definitions, and repealing conflicting laws.
VEH CD-AUTONOMOUS VEHICLES
HB3136 creates the Automated Motor Vehicle Study and Report to assess the feasibility of automated vehicles in Illinois.
An Act Concerning Health Insurance And Patient Protection.
This bill establishes the parity advancement account, prohibits step therapy for prescription drugs, and sets requirements for stop loss insurance policies, among other protections.
An Act Prohibiting Health Insurers From Using Software Tools To Automatically Downcode Health Insurance Claims.
This bill prohibits health insurers in Connecticut from using software tools, including AI, to automatically downcode health insurance claims without clinical review.
A bill for an act relating to utilization review organizations' use of artificial intelligence, prior authorization determinations and exemptions, and prepayment audits, and including applicability provisions.(See SF 2421.)
This bill regulates utilization review organizations' use of AI in prior authorization processes and establishes peer review requirements, with applicability provisions until 2027.
Relating to downcoding.
Health insurers must notify providers when AI is used to downcode claims and provide an appeals process for affected providers.
Relating To Algorithmic Discrimination.
SB59 prohibits discriminatory algorithmic decision-making and mandates notifications and annual reports to the Attorney General.
A bill for an act relating to health carriers standards of conduct; utilization review organizations, artificial intelligence, audits, and prior authorizations; certificate of need processes; and including applicability provisions. (Formerly HF 2438.) Effective date: 07/01/2026.
This bill regulates health carriers' conduct, focusing on AI in prior authorizations and certificate of need processes. Effective July 1, 2026.
Provides that a person may operate a fully autonomous vehicle on the public roads of this state without a human driver provided that the automated driving system is engaged and the vehicle meets certain conditions; defines terms; requires insurance and that such vehicle is registered as a fully…
This bill allows the operation of fully autonomous vehicles on public roads in New York without a human driver, provided conditions such as specific safety standards, registration, and insurance are met.
Health insurance
Bill S 920 amends South Carolina law to regulate AI use in health insurance prior authorizations, requiring specific circumstance consideration, disclosures, and disciplinary actions.
Providing for artificial intelligence in facilities, for artificial intelligence use by insurers and for artificial intelligence use by MA or CHIP managed care plans; imposing duties on the Department of Health, the Insurance Department and the Department of Human Services; and imposing penalties.
HB1925 regulates AI in health facilities, insurance, and MA/CHIP plans, detailing department duties. Specific penalties and oversight require full bill text.
AI WORK TRANSITION COMMISSION
Establishes a Commission to assess AI's impact on Illinois industries and recommend workforce development strategies.
A bill for an act relating to utilization review organizations' use of artificial intelligence, prior authorization determinations and exemptions, and audits, and including applicability provisions.(Formerly SSB 3118.)
This bill regulates AI use in prior authorization by UROs, ensuring human oversight in denials and exemptions for cancer screenings.
An Act relating to defamation claims based on the use of deepfakes; and relating to the use of deepfakes in electioneering communications.
HB 358 addresses defamation claims involving deepfakes and their use in electioneering communications, based on the bill's title and description. Specific provisions cannot be confirmed without the full text.
Suspending Rules 24(c), 35, 41(b), and 42(e), Uniform Rules of the Alaska State Legislature, concerning House Bill No. 358, relating to defamation claims based on the use of deepfakes; and relating to the use of deepfakes in electioneering communications.
SCR 28 suspends certain legislative rules to facilitate the consideration of HB 358, based on its title and description, as the full text is unavailable.
Private Review Agents; certain decisions with regard to the provision of insurance coverage for healthcare services shall not be based solely on artificial intelligence systems; provide
This bill prohibits insurance coverage decisions for healthcare services from being based solely on AI systems. It includes provisions for definitions.
Health Insurance - Artificial Intelligence, Adverse Decisions, and Grievances - Reporting Requirements
The bill mandates health insurance carriers to submit quarterly reports on their use of AI, altering existing reporting requirements for adverse decisions and grievances.
Artificial intelligence; regulate use in health coverage decisions
This bill addresses the use of artificial intelligence in health coverage decisions in Alabama, but lacks specific provisions or details.
ALGORITHMIC PRICE TRANSPARENCY
The Algorithmic Pricing Prohibition Act prohibits surveillance pricing based on personal data in Illinois and preempts home rule.
Regulate the use of artificial intelligence by health insurers
This bill aims to regulate the use of artificial intelligence by health insurers in Ohio.
Report: labor force impact: artificial intelligence.
AB2545 mandates the California Department of Industrial Relations to report on AI's labor force impact by 2028, with a repeal date of January 1, 2029.
Continuous Coverage Act
The Continuous Coverage Act allows individuals enrolled in health insurance as of September 30, 2013, to renew their coverage through December 31, 2015.
Health insurance
South Carolina's Bill S0920 requires health insurers to consider factors like bias and transparency when using AI, mandates disclosures about AI usage to enrollees, and details disciplinary actions such as fines or license suspensions for violations.
Relates to the use of artificial intelligence by insurers and clinical peer reviewers for utilization review; establishes additional notice requirements for adverse determinations.
The bill addresses AI use in utilization reviews, but specific details about notifications and algorithm criteria require verification from the full bill text.
Military Health Care Protection Act of 2012
The Military Health Care Protection Act of 2012 aims to protect health care costs for military personnel and their families.
Enacts into law major components of legislation necessary to implement the state transportation, economic development and environmental conservation budget for the 2025-2026 state fiscal year; relates to the waterfront commission act; makes amendments to change "applicant" to "licensee or…
This bill enacts components for the 2025-2026 budget, including regulations on AI companion models (Part U), buy-now-pay-later lenders (Part Y), and various transportation and environmental measures.
Commonsense Reporting Act of 2017
The Commonsense Reporting Act of 2017 modifies employer reporting requirements for health insurance coverage to the IRS.
Enacts into law major components of legislation necessary to implement the state transportation, economic development and environmental conservation budget for the 2025-2026 state fiscal year; relates to the waterfront commission act; makes amendments to change "applicant" to "licensee or…
This bill implements key components of New York's 2025-2026 budget, covering transportation, economic development, environmental conservation, and cannabis regulation.
TRICARE Portability Act of 2015
The TRICARE Portability Act of 2015 ensures beneficiaries can access healthcare across TRICARE regions and facilitates provider transitions.
State-by-State Regulation of Insurance AI Regulation
Artificial intelligence regulation is advancing at the state level, and Insurance AI Regulation is one of the most actively legislated areas. State attorneys general, privacy regulators, and legislatures are developing a patchwork of laws that impose different obligations on businesses deploying AI systems related to this topic. Compliance teams and legal counsel must track both enacted laws and the pipeline of pending bills that could shift requirements at any time.
Key regulatory themes in Insurance AI Regulation legislation include consumer disclosure obligations, prohibition on specific high-risk uses, mandatory algorithmic impact assessments, bias audits, rights to explanation, and human override requirements. Penalties for non-compliance vary by state — use our Penalty Tracker to review enforcement provisions. For upcoming effective dates, see the Deadlines page.
To understand how Insurance AI Regulation laws intersect with specific industries, browse our Healthcare, Employment, Insurance, and Financial Services industry trackers. Compare how different state laws approach this topic using our Bill Comparator.