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SB 794

Mandatory Human Reviews of Insurance Claim Denials

2025 Regular Session Introduced by Jennifer Bradley

SB 794 required Florida insurers to conduct human review of insurance claim denials, but died in committee without passing.

Died in Appropriations Committee on Agriculture, Environment, and General Government
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Bill Summary · SB 794

Legislative bill overview

SB 794 would require Florida insurance companies to have a human reviewer examine insurance claim denials before they become final. The bill aims to prevent algorithmic or automated denials from standing without human judgment, ensuring a human element in the denial decision-making process.

Why is this important

Insurance claim denials directly affect Floridians' access to healthcare, property repairs, and financial recovery after losses. Without mandatory human review, customers have limited recourse against automated denials that may be errors, lack context, or apply rules inflexibly—particularly impacting vulnerable populations who cannot afford extended appeals.

Potential points of contention

  • Industry costs: Insurers argue mandatory human review increases operational expenses, which could be passed to consumers through higher premiums
  • Efficiency trade-off: Adding review requirements may slow claim processing times, delaying payouts when customers need them urgently
  • Scope definition: Unclear whether all denials require review or only specific categories, and what constitutes adequate "human review" versus superficial compliance
  • Competitive disadvantage: Florida insurers face stricter requirements than out-of-state competitors, potentially affecting market viability

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

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