An act relating to the use of artificial intelligence in health care coverage decisions

This Vermont bill (H.776) requires health insurance companies using artificial intelligence to make coverage decisions to base those decisions on individual patient medical records - not group data - and prohibits AI from denying coverage. Final coverage decisions must be made by licensed human health care providers after reviewing patient-specific clinical information. The bill also mandates quarterly AI performance reviews, transparency about AI use in policies, and ensures tools are applied fairly across all patients with similar needs. It takes effect July 1, 2026.