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Bill

SB 1411

Relating to the use of artificial intelligence-based algorithms by health benefit plan issuers, utilization review agents, health care providers, and physicians.

89th Legislature (2025) Introduced by Donna Campbell

Texas bill regulating AI algorithms used by insurers and providers to ensure transparency and accountability in healthcare coverage and treatment decisions.

Referred to Business & Commerce
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Bill Summary · SB 1411

Legislative bill overview

SB 1411 establishes regulatory requirements for how health insurance companies, utilization review agents, healthcare providers, and physicians can use artificial intelligence-based algorithms in healthcare decision-making. The bill aims to create transparency, accountability, and oversight mechanisms for AI systems that affect patient care and insurance coverage determinations.

Why is this important

AI algorithms increasingly influence critical healthcare decisions like prior authorization approvals and treatment recommendations, yet their decision-making processes are often opaque to patients and providers. Without proper regulation, these systems could perpetuate bias, deny necessary care, or lack adequate human oversight. This bill addresses whether Texas healthcare stakeholders should face specific obligations regarding AI transparency and validation.

Potential points of contention

  • Compliance burden and cost: Requirements for algorithm validation, documentation, and monitoring could increase administrative expenses for insurers and healthcare providers, potentially raising healthcare premiums
  • Trade secret protections vs. transparency: Balancing insurers' proprietary algorithm interests against patients' right to understand how AI affects their coverage decisions
  • Enforcement and liability: Unclear who bears responsibility when AI algorithms make harmful errors, and what remedies exist for patients affected by biased or faulty AI systems

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

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