State Legislatures Consider Oversight of Artificial Intelligence in Health Insurance Decisions | Sheppard, Mullin, Richter & Hampton LLP
https://www.jdsupra.com/legalnews/state-legislatures-consider-oversight-5000321/
Publish Date: 2026-04-22 15:41:00
Source Domain: www.jdsupra.com
- Pennsylvania is deliberating identical proposals in House Bill 1925 and Senate Bill 1113 that would let insurers use AI in utilization review but prevent AI from undermining healthcare providers’ clinical decisions.
- New Hampshire proposes to permit insurers to use AI as an assistive tool in utilization review and requires them to maintain records and document decisions affecting provider coding.
- Oklahoma’s House Bill 3675 would allow AI in coverage determinations but requires these decisions be reviewed by a “qualified human professional” without mandating independent judgment from them.
- Indiana’s new legislation, House Bill 1271, prohibits automated systems including AI from being the sole basis for downcoding claims or submitting claims unless reviewed by a human employee or contractor.
- Louisiana’s Senate Bill 246 limits AI use in adverse determinations strictly, ensuring that licensed physicians make decisions and that AI only serves as an assistive tool.
- Alabama’s recently enacted Senate Bill 63 establishes guidelines for AI use, mandating that any determination be made by a licensed physician or healthcare professional, and requiring insurers to disclose and certify AI use to insurance departments.
