Prior authorization usage of algorithms or artificial intelligence prohibition provision

SF 3984 prohibits health insurance companies (health carriers) in Minnesota from using algorithms or artificial intelligence to approve or deny patient requests for prior authorization on medical treatments. The bill directly affects insurers and the patients whose care requests they review, banning automated decision-making tools in this specific process. It amends Minnesota law to require human review for all prior authorization decisions, effective January 1, 2026, for plans offered or renewed after that date. This is a concrete policy change requiring insurers to manually evaluate these requests instead of relying on AI-driven systems.