LA SB246

Requires health insurers, pharmacy benefit managers, and independent review organizations to disclose when artificial intelligence was used in adverse coverage determinations

Prohibits AI from being used to delay, deny, or modify healthcare services, or from basing determinations solely on group data sets rather than individual patient clinical history

Mandates human utilization review personnel exercise independent judgment before making adverse determinations on claims based on medical necessity or requiring prior authorization

Grants insureds the right to appeal any determination made with AI recommendations, with AI prohibited from being used in subsequent reviews of appealed claims

Requires quarterly reviews of AI performance and outcomes, and allows the insurance commissioner to inspect and audit AI systems for compliance