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Senate committee backs bill requiring human review of insurer claim denials
Summary
The Senate Banking and Insurance Committee voted to report Senate Bill 7.94 favorably after sponsor Senator Bradley and supporters argued the measure would prohibit artificial intelligence from being the sole basis for insurance claim denials and require qualified human review.
Senate Banking and Insurance Committee — Senators voted to report Senate Bill 7.94 favorably with a committee substitute after sponsor Senator Bradley described the bill as a requirement that a human must make decisions to deny insurance claims.
The bill would prohibit an artificial intelligence system from serving as the sole basis for denying any portion of a claim and would require denials under the insurance code to be reviewed and decided by a qualified human professional. "The bill emphasizes the need for human oversight in the decision making process by providing that insurers decision to deny a claim or any portion of a claim must be made by a human being," Senator Bradley said during the hearing.
A late-filed "strike-all" amendment (barcode 861,188) was adopted without objection and the bill was considered as amended. Sponsor Bradley said the measure seeks to "strike the right balance between allowing innovation but also protecting consumers from unaccountable algorithms." He added he would continue to work with insurers on implementation.
Public commenters included Tasha Carter, listed as Florida's Insurance Consumer Advocate, and Jared Fowler of the Florida Medical Association, both recorded as waiving in support. Gary Rosen provided public testimony urging the bill also address fraudulent or illegal contractor claims in post-hurricane situations; Rosen supplied handouts and recommended language to have AI parsing identify claims for illegal work and ensure such claims are denied.
During debate there were no recorded amendments to alter the committee recommendation. A roll call recorded individual senators voting "Yes." The committee report shows the bill "reported favorably with committee substitute."
The committee did not adopt additional statutory references on the floor. The hearing transcript shows discussion focused on consumer protection from unaccountable algorithms and the interplay between AI tools and an insured's right to human review; no final implementation rules or regulatory assignments were adopted in committee. The sponsor indicated follow-up work with insurers on operational details.
Votes at a glance: The committee reported SB 7.94 favorably with committee substitute (roll-call recorded as "Yes" votes by senators present).
