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Bill

HB 3675

Health insurance; review agents; artificial intelligence system; adverse determinations; effective date.

2026 Regular Session Introduced by Melissa Provenzano

HB 3675 requires health insurers to establish oversight of AI systems making claim denials, ensuring transparency and proper review of automated insurance decisions.

Referred to Insurance
0
WeVote Research Nonpartisan
Bill Summary · HB 3675

Legislative bill overview

HB 3675 establishes regulatory requirements for health insurance review agents and artificial intelligence systems used in making adverse determinations (claim denials or coverage limitations). The bill appears to create oversight mechanisms to ensure that AI-assisted insurance decisions meet transparency and accuracy standards, though specific provisions are not detailed in the available action history.

Why is this important

Health insurance denials significantly impact patients' access to medical care and financial security. As insurers increasingly use AI algorithms to evaluate claims, without proper oversight these systems could perpetuate biases, deny necessary care inconsistently, or operate as "black boxes" that neither patients nor doctors can challenge effectively.

Potential points of contention

  • AI transparency vs. proprietary concerns: Insurers argue their algorithms are trade secrets; patients/advocates demand explanations for why claims are denied
  • Review agent qualifications: Determining what expertise and training review agents need to properly evaluate AI-assisted decisions and override them
  • Implementation costs: Compliance expenses may be passed to consumers through higher premiums, or absorbed by insurers affecting profits

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

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