Health insurance; review agents; artificial intelligence system; adverse determinations; effective date.

HB 3675 requires health insurance companies to have a qualified human professional review any adverse decision (like denying coverage) made by an algorithm, artificial intelligence system, or automated decision system before it becomes final. The bill mandates that patients receive clear notices explaining the reasons for denied coverage, the clinical basis for the decision, and how to appeal. It allows AI systems to be used for administrative tasks or fraud detection but prohibits their use in final coverage decisions without human oversight. The law takes effect on November 1, 2026, directly affecting patients, insurers, and utilization review agents in Oklahoma.