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FL S0794
Bill
Status
Failed
6/16/2025
Primary Sponsor
Banking and Insurance
Click for details
AI Summary
- All insurance claim denials in Florida must be made by a qualified human professional — defined as an individual authorized under the Florida Insurance Code to adjust or deny claims — effective January 1, 2026
- Algorithms, artificial intelligence systems, and machine learning systems are prohibited from serving as the sole basis for determining whether to adjust or deny an insurance claim
- Qualified human professionals must independently analyze claim facts and policy terms, review the accuracy of any AI or algorithm output, and conduct reviews of decisions made by other professionals before issuing a denial
- Insurers must maintain detailed records of denial decisions, including the name and title of the professional responsible, the date and time of the decision, and documentation of the basis for denial including any AI-generated information
- Denial communications to claimants must identify the qualified human professional who made the decision and include a statement affirming that AI or algorithms were not the sole basis for the denial; the Office of Insurance Regulation is authorized to conduct examinations and investigations to verify compliance
Legislative Description
Mandatory Human Reviews of Insurance Claim Denials
Last Action
Died in Appropriations Committee on Agriculture, Environment, and General Government
6/16/2025
Committee Referrals
Appropriations Subcommittee on Agriculture, Environment, and General Government3/26/2025
Full Bill Text
No bill text available