SB 815 Texas Senate · 89th Legislature (2025)

Relating to the use of certain automated systems in, and certain adverse determinations made in connection with, the health benefit claims process.

SB 815 requires health insurers and health maintenance organizations (HMOs) to disclose in written explanations of benefits whether artificial intelligence (AI) was used in processing claims or making coverage decisions. If AI was used, the disclosure must include a plain-language description of how the AI system operated. The bill directly affects insurers/HMOs by mandating these transparency requirements for patients and healthcare providers, specifically addressing "adverse determinations" like denied coverage. It does not restrict AI use but ensures consumers and doctors understand when automated systems influence their health benefit decisions.

Issues: ✓ Healthcare ✓ Technology

Bill status signed all 5 stages cleared

Introduction

Jan 2025

Committee Review

May 2025

Senate Passage

May 2025

House Passage

May 2025

Signed into Law

Jun 2025

Introduced Jan 16, 2025 Signed Jun 20, 2025

Maddy AI version diff · 2 comparisons

What changed between versions

Engrossed → Enrolled · 2 edits · Jun 20, 2025

MINOR

The bill was finalized in its enrolled version with minor formatting and spacing adjustments, while maintaining the same substantive policy provisions that regulate automated decision systems in health insurance utilization reviews. The core requirements for transparency, auditability, and limitations on AI use in adverse determinations remain unchanged from the engrossed version.

Scope change

No substantive change to scope or applicability; the bill applies to health benefit plans delivered, issued for delivery, or renewed on or after January 1, 2026, with an effective date of September 1, 2025.

TECHNICAL

Formatting and spacing adjustments were made throughout the document, including removal of bracketed placeholders and cleanup of line breaks and indentation.

Added certification language at the end of the enrolled version documenting the final passage votes in the Senate and House with specific dates and vote counts.

Floor votes · Senate Mar 26, 2025 · House May 23, 2025

How they voted

24–5

Passed · 1 other

Total votes 30

Mar 26, 2025

D Democratic10

9 Yea 1

90% Yea

R Republican20

15 Yea 5 Nay

75% Yea

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Amendments

Jun 20, 2025

Signed into law

Signed by the Governor

executive

May 27, 2025

Lower · Passed

Signed in the House

lower

May 26, 2025

Upper · Passed

Signed in the Senate

upper

May 25, 2025

Upper · Passed

House passage reported

upper

May 24, 2025

Lower · Passed

Passed

lower

May 23, 2025

House · Passed

House Vote: pass (125-3-15)

house

May 5, 2025

Lower · Passed

Committee report sent to Calendars

lower

May 2, 2025

Lower · Passed

Committee report distributed

lower

Apr 28, 2025

Lower · Passed

Reported favorably w/o amendment(s)

lower

Apr 23, 2025

Lower · Passed

Left pending in committee

lower

Apr 23, 2025

Lower · Passed

Testimony taken/registration(s) recorded in committee

lower

Apr 9, 2025

Committee

Referred to Insurance

lower

Apr 9, 2025

Introduced

Read first time

lower

Mar 27, 2025

Introduced

Received from the Senate

lower

Mar 26, 2025

Upper · Passed

Passed

upper

Mar 26, 2025

Upper · Passed

Passed to engrossment as amended

upper

Mar 26, 2025

Upper · Passed

Amended

upper

Mar 26, 2025

Introduced

Amendment(s) offered

upper

Mar 13, 2025

Upper · Passed

Committee report printed and distributed

upper

Mar 13, 2025

Upper · Passed

Reported favorably as substituted

upper

Mar 11, 2025

Upper · Passed

Vote taken in committee

upper

Feb 27, 2025

Upper · Passed

Left pending in committee

upper

Feb 27, 2025

Upper · Passed

Testimony taken in committee

upper

Feb 7, 2025

Committee

Referred to Business & Commerce

upper

Feb 7, 2025

Introduced

Read first time

upper

2 primary · 3 co-sponsors