Health Insurance - Artificial Intelligence - Grievance Process and Reporting (AI Health Insurance Accountability Act of 2026)

HB 795 requires Maryland health insurance companies to provide human review for any coverage denial made using artificial intelligence, algorithms, or software tools. Insurers must also report quarterly aggregated data on these AI-related denials, including claim types, member demographics (race, gender, profession), and policy details (individual, group, or exchange plans). These reports must be submitted to the state insurance commissioner and include the total number of AI-related grievances reviewed. The bill directly affects health insurers operating in Maryland and impacts members who face AI-driven coverage decisions.