Algorithm and AI use prohibited during health insurance prior authorization request review.

Plain English Breakdown

The official source material does not provide details about the consequences for breaking the law.

No AI in Health Insurance Decisions

This law stops health insurance companies from using algorithms or artificial intelligence when they decide whether to approve medical treatments.

What This Bill Does

• Stops health insurance companies from using computer programs (algorithms) and artificial intelligence when reviewing requests for prior authorization of medical treatments.
• Adds a new rule in Minnesota's laws that says health carriers cannot use these technologies during the review process.

Who It Names or Affects

• Health insurance companies
• People who need prior authorization for medical treatments

Terms To Know

Algorithm

A set of instructions a computer follows to solve problems or make decisions.

Artificial Intelligence (AI)

Computer systems that can do tasks that usually need human intelligence, like learning and decision-making.

Limits and Unknowns

• The law only applies in Minnesota.
• It does not say what happens if a company breaks this rule.

Official Summary Text

Algorithm and AI use prohibited during health insurance prior authorization request review.

Current Bill Text

A bill for an act

relating to health insurance; prohibiting algorithm or artificial intelligence use

during prior authorization request review; amending Minnesota Statutes 2024,

section 62A.59, by adding a subdivision.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:

Section 1.

Minnesota Statutes 2024, section 62A.59, is amended by adding a subdivision

to read:

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Subd. 3.

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Algorithm and artificial intelligence use prohibited.

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A health carrier is

prohibited from using an algorithm or artificial intelligence program when making a

determination to approve or deny a prior authorization request.

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EFFECTIVE DATE.

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This section is effective January 1, 2026, and applies to health

plans offered, sold, issued, or renewed on or after that date.

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