SB 246 Louisiana Senate · 2026 Regular Session

HEALTH/ACC INSURANCE: Establishes requirements for health insurance issuers using artificial intelligence or automated decision systems. (8/1/26)

SB 246 requires health insurers and related entities (like pharmacy benefit managers) to disclose when artificial intelligence (AI) is used in denying coverage decisions. The bill prohibits AI from discriminating, violating health regulations, or delaying care, and mandates that AI decisions must be based on individual patient medical history - not group data - and include human review for medical necessity claims and prior authorization requests. Insurers must also conduct quarterly AI performance reviews, allow patients to request AI-related documentation, and cannot use AI in subsequent reviews of appeals where AI was the basis for denial.

Issues: ✓ Healthcare ✓ Technology

Bill status died 1 of 4 stages cleared

Introduction

Feb 2026

Committee Review

Floor Vote

Governor

Introduced Feb 26, 2026 Last action May 28, 2026

Maddy AI version diff · 1 comparison

What changed between versions

SB246 Original → SB246 Engrossed · 6 edits

MODERATE

The bill was expanded to include 'automated decision systems' alongside 'artificial intelligence,' broadening the regulations to cover a wider range of computational tools used in healthcare. This change ensures that algorithms relying on statistical modeling or data analytics, not just traditional AI, are subject to the same rules regarding human oversight and non-discrimination.

Scope change

The bill's scope was expanded from applying only to 'insurers' and 'artificial intelligence' to also include 'health insurance issuers' and 'automated decision systems.'

DEFINITION

Added the definition of 'automated decision system' to cover computational processes derived from machine learning or statistical modeling that impact human decisions.

REQUIREMENT

Updated requirements to mandate that both AI and automated decision systems must base determinations on individual clinical circumstances rather than solely on group data sets.

Expanded the requirement for human review to explicitly include 'automated decision systems' alongside artificial intelligence, ensuring a licensed physician signs off on adverse determinations.

Broadened the prohibition on using AI or automated systems to delay, deny, or modify healthcare services.

Added a requirement for issuers to document the extent to which AI or automated systems influenced a specific determination.

ELIGIBILITY

Changed the subject of the law from 'insurers' to 'health insurance issuers' to ensure broader coverage of entities selling health plans.

Floor votes

How they voted

No floor votes recorded yet.

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Mar 11, 2026

Upper · Passed

Reported with amendments.

upper

Mar 9, 2026

Committee

Introduced in the Senate; read by title. Rules suspended. Read second time and referred to the Committee on Insurance.

upper

1 primary · 1 co-sponsor