Artificial intelligence; regulate use in health coverage decisions

HB 515 requires health insurers to have licensed healthcare professionals - not artificial intelligence - make final decisions on whether medical treatments are covered. Insurers must disclose when AI is used in coverage determinations, cannot base decisions solely on group data, and must consider each patient’s unique circumstances. The bill also allows individuals harmed by AI-related coverage denials to sue insurers for damages. It directly affects health insurers, healthcare providers, and patients enrolled in most health benefit plans (excluding limited policies like Medicare supplements). The law takes effect October 1, 2025.