Insurance: health insurers; use of artificial intelligence tools to make decisions regarding claims; prohibit. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 3406ss.

HB 4536 prohibits health insurers in Michigan from denying, modifying, or delaying insurance claims based solely on artificial intelligence reviews. It directly affects health insurers operating in the state and the policyholders whose claims are processed by these insurers. The bill amends Michigan's Insurance Code (MCL 500.100-500.8302) by adding Section 3406ss, which requires insurers to use human review for claim decisions instead of relying exclusively on AI tools. This creates a clear policy change: insurers must not use AI as the sole basis for adverse claim actions.