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Bill

Bill

SB 447

AN ACT PROHIBITING HEALTH CARRIERS FROM USING ARTIFICIAL INTELLIGENCE IN THE EVALUATION AND DETERMINATION OF PATIENT CARE.

2025 Regular Session Introduced by Saud Anwar

Connecticut bill SB 447 would ban health insurers from using artificial intelligence in patient care evaluation and coverage determinations.

REF. TO JOINT COMM. ON Insurance and Real Estate
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Bill Summary · SB 447

Legislative bill overview

SB 447 would prohibit health insurance carriers operating in Connecticut from using artificial intelligence in evaluating and determining patient care decisions. The bill essentially bans AI-assisted tools that insurers currently use in claims processing, coverage determinations, and medical necessity assessments. This represents a comprehensive restriction on algorithmic decision-making in insurance coverage.

Why is this important

Health insurers increasingly rely on AI systems to process thousands of claims daily and determine coverage eligibility, potentially affecting millions of Connecticut residents' access to care. Studies have documented cases where AI algorithms made incorrect coverage denials or delayed approvals, sometimes without human review. The bill addresses growing public concern about opaque algorithmic decision-making in healthcare while raising questions about operational feasibility and cost implications.

Potential points of contention

  • Operational impact: A complete AI ban could significantly slow claims processing and increase administrative costs, potentially raising insurance premiums or reducing coverage options, unless insurers substantially increase human reviewers
  • Definition ambiguity: The bill's scope is unclear—does it prohibit all algorithmic tools, basic data analytics, or only machine learning systems? This vagueness could create implementation challenges and legal disputes
  • Innovation vs. safety tradeoff: While addressing legitimate concerns about AI errors, the bill may prevent beneficial uses of AI (like identifying fraudulent claims or optimizing care pathways) and could disadvantage Connecticut insurers relative to competitors in other states

Compiled from official sources — confirm details with the bill’s official record.

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