Enacting the use of artificial intelligence in medical decisions transparency act and requiring that all medical necessity determinations be made by a competent licensed physician or healthcare professional.

SB 467 requires health insurers and utilization review organizations using artificial intelligence (AI) for medical necessity decisions to ensure those tools base determinations on individual patient data (medical history, clinical circumstances) rather than group datasets. Crucially, the bill mandates that *only* licensed physicians or healthcare professionals - never AI systems - can make final decisions about whether medical care is necessary. Insurers must also create and disclose written policies explaining their review processes and ensure AI tools do not deny, delay, or modify care based on medical necessity. This directly affects insurers using AI for utilization review and healthcare providers seeking authorization for patient treatments.