Insurance laws by state

Bills that moved most recently

The 25 open insurance bills with the latest action. The AI Legislation Tracker follows all 102.

• 14 October 2026

  Pennsylvania HB 1925: An Act amending Titles 35 (Health and Safety), 40 (Insurance) and 67 (Public Welfare) of the Pennsylvania Consolidated Statutes, 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.

  What it would do: Requires health care facilities, insurers, and MA/CHIP managed care plans to disclose artificial intelligence use in clinical decision-making and utilization review, establish compliance policies, file annual compliance statements, and prohibits AI from superseding human clinical judgment. Imposes civil penalties up to $10,000 per knowing violation and $250,000 annually per entity.

  Passed chamber

• 14 September 2026

  New Jersey A 5494: Prohibits certain use of artificial intelligence in denying homeowner, automobile, and flood insurance claims.

  In committee

• 29 July 2026

  Massachusetts H 4616: An Act improving the health insurance prior authorization process

  What it would do: Requires health insurance carriers to publicly list items requiring prior authorization, report approval and denial data to regulators, implement automated prior authorization systems, and prohibit retrospective denials of previously approved services. Establishes restrictions on artificial intelligence use in utilization review and creates a task force to study prior authorization's impact on healthcare costs and access.

  Passed committee

• 21 July 2026

  Virginia SB 586: Health carriers; use of artificial intelligence, disclosures.

  What it would do: Requires health carriers to disclose AI use in claims and coverage decisions, prohibits relying exclusively on AI to deny coverage, mandates human physician review of adverse determinations, and allows covered persons expedited external review and private right of action with civil penalties up to $50,000 per violation.

  Passed chamber

• 16 July 2026

  Congress H.R. 9734: Protecting Patients from Automated Denials Act

  In committee

• 9 June 2026

  Rhode Island SB 2010: An act relating to insurance -- the transparency and accountability in artificial intelligence use by health insurers to manage coverage and claims act

  What it would do: Requires health insurers to disclose artificial intelligence use in claims and coverage decisions to state regulators, maintain documentation for five years, and obtain provider approval before finalizing AI-driven denials of medically necessary care.

  Passed chamber

• 28 May 2026

  Louisiana SB 246: HEALTH/ACC INSURANCE: Establishes requirements for health insurance issuers using artificial intelligence or automated decision systems. (8/1/26)

  Passed committee

• 6 May 2026

  Connecticut SB 342: An act concerning health coverage.

  What it would do: Requires health insurers to reimburse outpatient services at equal rates regardless of facility location or provider affiliation within geographic regions, prohibits automatic claim downcoding without clinical peer review, limits step therapy to thirty days except for cancer and serious mental illness, and extends contract terms during disputes.

  Passed chamber

• 6 May 2026

  South Carolina S 920: Health insurance

  What it would do: Requires health insurers using artificial intelligence for prior authorization decisions to base determinations on enrollees' medical history and clinical circumstances, obtain annual departmental certification of compliance, and ensure a licensed physician makes final denial decisions. Mandates disclosure to enrollees and establishes Department of Insurance enforcement authority.

  Passed committee

• 24 April 2026

  New York A 11048: Relates to the use of artificial intelligence for utilization review

  In committee

• 15 April 2026

  Tennessee HB 2619: Insurance Companies, Agents, Brokers, Policies - As introduced, establishes the Tennessee commission of insurance review; prohibits a health insurance entity from offering or maintaining a health benefit plan that uses downcoding in a manner that prevents the provider from collecting the fee for actual services performed either from the health benefit plan or the patient; makes other changes related to health insurance and health insurers. - Amends TCA Title 4; Title 8; Title 56 and Title 71.

  What it would do: Creates the Tennessee Commission of Insurance Review to enforce health insurance regulations. Prohibits health insurance entities from using downcoding that prevents providers from collecting fees, making unilateral contract changes without 60 days' notice, sending enrollee data outside the US, or using lasering in stop-loss underwriting.

  Passed committee

• 2 April 2026

  Massachusetts S 2632: An Act relative to the use of artificial intelligence and other software tools in healthcare decision-making

  What it would do: Prohibits unlicensed individuals from offering therapy services and restricts licensed therapists' use of AI to administrative and supplementary support only, requiring patient consent for AI use in recorded sessions. Requires health insurers using AI for utilization review to base decisions on individual clinical circumstances and prohibits AI from denying care based solely on medical necessity.

  Passed committee

• 19 March 2026

  Michigan HB 4536: 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.

  In committee

• 19 March 2026

  Michigan HB 4537: 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.

  In committee

• 11 March 2026

  Tennessee HB 1866: 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.

  What it would do: Requires health insurance issuers using artificial intelligence for utilization review or management to have a licensed healthcare professional review and determine medical necessity before denying, delaying, or modifying healthcare services. Establishes this as an unfair claims practice with private right of action for damages and attorney fees.

  In committee

• 9 March 2026

  Louisiana HB 880: INSURANCE: Creates the Louisiana Artificial Intelligence Insurance Fairness Act (OR +$1,029,533 SG EX See Note)

  What it would do: Creates the Louisiana Artificial Intelligence Insurance Fairness Act, requiring insurers using AI systems in underwriting and claims handling to disclose how AI influences decisions, provide explanations to policyholders, and report data on disparate impacts by demographic factors.

  In committee

• 9 March 2026

  New York S 9393: Requires insurance carriers to provide access to underwriting models or granular claim data to the department of financial services

  In committee

• 7 March 2026

  Oregon HB 4054: Relating to downcoding.

  What it would do: Amends Oregon insurance law to require health insurers to notify providers within two business days when artificial intelligence or software tools automatically downcode claims, disclose the reason for downcoding, and provide an appeals process before an appropriate medical consultant or peer review committee.

  In committee

• 2 March 2026

  Minnesota SF 3984: Prior authorization usage of algorithms or artificial intelligence prohibition provision

  In committee

• 2 March 2026

  New York A 10364: Relates to the use of telematics systems by automobile insurers

  In committee

• 19 February 2026

  Iowa SSB 3118: 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.

  What it would do: Restricts utilization review organizations from using artificial intelligence as the sole basis for denying prior authorization requests, requires peer review involvement in denials, exempts cancer-related preventative care from prior authorization if recommended per national guidelines, and establishes timelines for prepayment audit notifications and determinations.

  Passed committee

• 18 February 2026

  South Carolina H 5206: Health insurance

  What it would do: Requires health insurers using artificial intelligence for prior authorization decisions to base determinations on enrollees' medical history and clinical circumstances, obtain annual departmental certification of compliance, and ensure a licensed physician makes final denial decisions. Mandates disclosure to enrollees and allows the Department of Insurance to impose corrective plans or disciplinary measures for violations.

  In committee

• 17 February 2026

  South Dakota SB 169: place requirements on the use of artificial intelligence systems by health carriers in making determinations about the provision of health care services.

  What it would do: Requires health carriers using artificial intelligence for utilization review to base determinations on individual patient clinical information, apply tools equally across patients, and prohibits AI from denying or delaying care without licensed physician review. Mandates annual reporting and Division of Insurance compliance inspections.

  In committee

• 13 February 2026

  Maryland HB 1385: Health Insurance - Use of Artificial Intelligence - Human Evaluation

  What it would do: Requires carriers, pharmacy benefits managers, and private review agents using artificial intelligence for utilization review to ensure audits include human evaluation by licensed health care professionals and that quarterly performance reviews include human evaluation of real-world health outcomes to improve the AI tool's accuracy and safety.

  In committee

• 11 February 2026

  Mississippi SB 2701: Insurance Fraud Detection Act; establish trust fund to assist Mississippi Insurance Department in cyber fraud.

  What it would do: Creates the Insurance Department Fraud Detection Trust Fund and requires property and casualty insurance companies and life, health and accident insurance companies to contribute annually up to $1,000,000.00 total per fiscal year to fund fraud detection, cybersecurity review, and arson investigations.

  Passed committee