Doctors Not AI Act of 2026

The Doctors Not AI Act of 2026 prohibits health insurance plans from using artificial intelligence systems to issue or dictate adverse benefit determinations that involve clinical judgment, such as decisions based on medical necessity or treatment appropriateness. Instead, these determinations must be made by a licensed healthcare professional who conducts an independent evaluation of the patient's specific medical circumstances without deferring to AI outputs. The bill requires insurers to disclose in written notices if any AI system was used during the review process and mandates that detailed documentation regarding the AI's role and outputs be maintained as part of the administrative record, available to patients upon request. Additionally, the legislation classifies the use of AI in utilization review as a treatment limitation for parity purposes, ensuring it is evaluated equally across mental health and medical-surgical benefits under existing federal laws.