AN ACT RELATING TO INSURANCE -- THE TRANSPARENCY AND ACCOUNTABILITY IN ARTIFICIAL INTELLIGENCE USE BY HEALTH INSURERS TO MANAGE COVERAGE AND CLAIMS ACT

This bill requires health insurers in Rhode Island to disclose how they use artificial intelligence for managing coverage and claims. Insurers must report details like AI models used, training data, decision-making processes, and maintain 5-year records of AI-influenced decisions - including denials of medically necessary care. All AI-driven adverse benefit determinations must be reviewed and approved by a healthcare professional before finalizing, with their rationale documented. The law mandates annual reports to state regulators on AI usage, including performance metrics like denial rates and appeal outcomes, taking effect June 2026.