Proposed Law Requiring Human Review for Insurance Claim Denials

Where This Stands

Currently dead. The next step in the legislative lifecycle is Introduced.

Last action

Died in RulesMar 13, 2026

Procedural history

18 actions

Feb 27, 2026HouseIntroduced
CS Filed
Feb 27, 2026House
Laid on Table under Rule 7.18(a)
Feb 27, 2026House
Reported out of Commerce Committee
Feb 26, 2026HouseCommittee
Favorable with CS by Commerce Committee
Feb 24, 2026House
Added to Commerce Committee agenda
Jan 13, 2026HouseIntroduced
1st Reading (Committee Substitute 1)

Show 12 earlier actions

Jan 13, 2026HouseIntroduced
1st Reading (Original Filed Version)
Dec 12, 2025House
Now in Commerce Committee
Dec 12, 2025HouseCommittee
Referred to Commerce Committee
Dec 11, 2025HouseIntroduced
CS Filed
Dec 11, 2025House
Laid on Table under Rule 7.18(a)
Dec 11, 2025House
Reported out of Insurance & Banking Subcommittee
Dec 9, 2025HouseCommittee
Favorable with CS by Insurance & Banking Subcommittee
Dec 2, 2025House
Added to Insurance & Banking Subcommittee agenda
Dec 1, 2025House
Now in Insurance & Banking Subcommittee
Dec 1, 2025HouseCommittee
Referred to Commerce Committee
Dec 1, 2025HouseCommittee
Referred to Insurance & Banking Subcommittee
Nov 24, 2025HouseIntroduced
Filed

Version history

Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.

View official text →

The Frame

What this does

The bill would have established a legal requirement for human oversight in insurance claims processing, ensuring that policyholders and injured employees receive a human-verified explanation for any denial or reduction of benefits.

Who is mentioned in the record

Potentially affected actors named in the source documents. Mention is not a position.

Insurance policyholders

They would have received mandatory human review of claim denials and specific contact information for the decision-maker.

Injured employees

They would have been entitled to human review of workers' compensation claim denials.

Insurance carriers and HMOs

They would have been required to update their claims-handling manuals, maintain new records, and ensure human oversight for all claim denials.

What changed

Last recorded activity November 24, 2025.

What's next

Introduced.

Summary

This bill would have required insurance companies, health maintenance organizations (HMOs), and workers' compensation carriers to use human professionals to make final decisions on claim denials or payment reductions. It prohibited these companies from relying solely on artificial intelligence or s to deny or reduce claims.

Key Facts

You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.

Frequently Asked Questions

Would this bill have banned the use of AI in insurance claims?

No, it would have allowed the use of AI and machine learning to assist in processing claims, but it would have required a human to make the final decision.

What information would I have received if my claim was denied?

You would have received a written communication including contact information for the human professional who made the decision and a statement confirming that AI was not the sole basis for the denial.

Why It Matters

The bill would have established a legal requirement for human oversight in insurance claims processing, ensuring that policyholders and injured employees receive a human-verified explanation for any denial or reduction of benefits.

News Coverage

No news coverage found yet. Articles are indexed twice daily.

Voting Record

Outcome not reportedhouse12/9/2025Official roll call ↗

Favorable With Committee Substitute (Insurance & Banking Subcommittee)

Total

31

Yes

29

No

0

Present

0

Not Voting

2

Abstain

0

How they voted (31)

+ 7 more

Full roll-call analysis →

Discoveries

Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.

policy shift100% confidence

Human-in-the-loop mandate

The bill represents a legislative attempt to curb 'black box' decision-making in the insurance industry by mandating human accountability.

Department of Financial Services Office of Insurance Regulation

Connected Entities

organizationCommerce Committee“Committee reviewing the bill”Map →

otherRule 7.18(a)“Rule used to lay the bill on the table”Map →

organizationInsurance & Banking Subcommittee“Committee reviewing the bill”Map →

otherCS“Committee Substitute”Map →

Sources

Open source document

openstates.org

Analysis Score

0–100

Significance65
How much this matters to a regular citizen
Controversy40
Intensity of disagreement among stakeholders
Entertainment10
Compellingness for a non-policy-wonk reader
Buzz20
Current news / social attention level