Get Full Government Meeting Transcripts, Videos, & Alerts Forever!
Get email alerts on the Insurance Ai topic
No spam. Unsubscribe anytime.
Committee advances bill requiring human review before AI‑assisted insurance denials
Summary
CS for HB 527, sponsored by Representative Cassell, would require that claim denials or reductions not be made solely on artificial‑intelligence outputs and must be reviewed by a qualified human. The amendment removing the term "algorithm" passed; insurance trade groups urged a regulator study and warned of operational duplication.
Representative Cassell told the committee CS for HB 527 protects Floridians by ensuring human review of claim denials where automated systems are used. The sponsor said the bill does not ban AI but requires a qualified human professional to independently review facts, analyze policy language and document the review before a denial or reduction is final.
The committee adopted an amendment that removed the word "algorithm" after stakeholder discussions to avoid unintentionally sweeping in underwriting systems. Personal Insurance Federation witness Michael Carlson said current law and licensing already provide consumer protections and recommended a regulator‑led study to better understand AI use across lines. Patient advocates and labor groups testified in support, describing real cases where automated decisions harmed claimants.
The committee voted the bill favorably. Sponsor Cassell cited a class‑action example against UnitedHealthcare as part of the bill’s genesis but did not introduce the case record into the committee record.
