Health insurance utilization review: use of artificial intelligence

Enacted by 2025 Md. Laws ch. 747 (HB 820), this law sets guardrails on AI and algorithms used by health insurers and their review agents to decide whether care is medically necessary. Tools must rely on the individual patient's clinical information rather than group data alone, may not deny, delay, or modify care, must not discriminate, must be auditable by the Commissioner, and may not use patient data beyond its stated purpose. Carriers must also report whether AI was used in adverse decisions.