Promotes transparency and accountability in the use of artificial intelligence by health insurers to manage coverage and claims.

Rhode Island Bill Summary: AI Transparency in Health Insurance

This bill would create new rules for health insurance companies in Rhode Island that use artificial intelligence (AI) to help make decisions about whether to approve or deny medical coverage and claims. Specifically, it would require insurers to be open about when and how they are using AI tools in these decisions, and it would hold them accountable for the outcomes those tools produce. The goal is to make sure that AI systems used by insurers are not making unfair or opaque decisions that affect patients' access to medical care.

Under this bill, health insurers would likely need to disclose when AI is being used in coverage or claims decisions, and patients or providers may have the right to know what role automated systems played in a denial or approval. The bill appears designed to ensure that a human being remains meaningfully involved in important medical coverage decisions, rather than those choices being made entirely by an algorithm without oversight or explanation.

This bill would primarily affect Rhode Island residents who have health insurance, as well as the insurance companies that operate in the state and the healthcare providers who work with those insurers. Patients who have had coverage claims denied could be among those most directly impacted, as the bill aims to give them clearer information about how those decisions were made and stronger protections against purely automated denials.

As of now, the bill has been introduced and referred to the House Health & Human Services Committee, but has been held for further study, meaning it has not yet advanced toward a vote. Its progress will depend on future committee hearings and legislative action.