Health Insurance - Artificial Intelligence, Adverse Decisions, and Grievances - Reporting Requirements

HB 697 requires Maryland health insurance carriers to submit quarterly reports to the Maryland Insurance Commissioner about their use of artificial intelligence (AI) and automated decision-making systems. Specifically, carriers must report details on AI system deployment (including training data sources, purpose, and bias testing), as well as expanded demographic data on grievances and adverse decisions (broken down by zip code, race, ethnicity, gender, and age). The bill also updates existing reporting rules to include the monetary value of grievance decisions and timeframes for handling cases. These reports will enable the Commissioner to compile annual oversight summaries and identify potential disparities in insurance practices.