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Bill

SB 164

Regulate the use of artificial intelligence by health insurers

136th Legislature (2025-2026) Introduced by Al Cutrona

SB 164 would require Ohio health insurers to implement regulatory safeguards governing their use of artificial intelligence in coverage and claims decisions.

Referred to committee
#commerce #insurance #technology
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Bill Summary · SB 164

Legislative bill overview

SB 164 would establish regulatory requirements for how health insurers in Ohio can use artificial intelligence systems in their operations. The bill, introduced by Senator Al Cutrona, aims to govern AI applications in insurance decisions, claims processing, and related functions to protect consumers from potential harms.

Why is this important

Health insurers increasingly use AI algorithms to make decisions affecting coverage, claims denials, and premium pricing—directly impacting Ohioans' access to medical care. Without guardrails, these systems can perpetuate bias, make opaque decisions, and deny coverage based on flawed or discriminatory algorithms, making regulatory oversight a practical consumer protection issue.

Potential points of contention

  • Scope and specificity: The bill's current text is unavailable, but regulations could be too vague to enforce effectively or so prescriptive they stifle beneficial innovation and cost-saving applications
  • Compliance costs: Insurers may argue stringent AI requirements increase administrative burden and insurance premiums for Ohio consumers
  • Transparency vs. trade secrets: Balancing requirements for explainable AI decisions against insurers' desire to protect proprietary algorithms and competitive methods
  • Enforcement mechanisms: Unclear who enforces compliance and what penalties apply for violations

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

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