Limitations on use of artificial intelligence by health benefit plan providers

Regulates insurers that use AI to decide medical-necessity prior authorization requests. AI determinations must rest on the individual enrollee's medical history and clinical circumstances, not group datasets, and any denial, delay, or modification must be made by a licensed clinician. Plans must disclose their AI use and keep patient data used by AI within its stated purpose consistent with HIPAA. The effective date is October 1, 2026.