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HB 1297

CONCERNING ARTIFICIAL INTELLIGENCE, ALGORITHMS, AND OTHER AUTOMATED TECHNOLOGIES; AND TO REGULATE CERTAIN PRACTICES OF HEALTHCARE INSURERS.

2025 Regular Session Introduced by Missy Irvin and 1 co-sponsor

Arkansas bill regulates healthcare insurers' use of AI and automated systems by requiring transparency, human review, and patient appeals in coverage decisions.

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Bill Summary · HB 1297

Legislative bill overview

HB 1297 would regulate how healthcare insurers use artificial intelligence, algorithms, and automated technologies in their decision-making processes. The bill establishes requirements for transparency, human review, and appeals when insurers deny coverage or benefits based on automated systems.

Why is this important

Healthcare insurance decisions directly affect patients' access to medical treatment and financial burden. As insurers increasingly use AI algorithms to approve or deny claims, this bill attempts to ensure those decisions aren't made solely by automated systems without human oversight or explanation to patients.

Potential points of contention

  • Cost and administrative burden: Healthcare insurers may argue that stricter oversight requirements increase operational costs, potentially leading to higher premiums for consumers
  • Definition and scope ambiguity: The bill's coverage of "algorithms and other automated technologies" could be interpreted broadly, creating uncertainty about which insurance practices fall under regulation
  • Speed vs. oversight tradeoff: Requiring human review of automated decisions may slow claim processing, potentially delaying patient access to needed care
  • Implementation challenges: Insurers would need systems to explain algorithmic decisions in patient-friendly language, which may be technically or practically difficult for complex AI models

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

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