Additional States Continue Legislative Trend with New Laws Limiting Use of Artificial Intelligence in Health Insurance Determinations

Short summary

Multiple U.S. states are enacting legislation restricting AI's autonomous role in health insurance decisions, particularly prior authorizations. New laws in Georgia, Iowa, Utah, and Washington mandate that licensed physicians or clinical peers must review and approve AI recommendations, with their judgment taking precedence. Disclosure and reporting requirements vary by state, creating a patchwork compliance landscape.

• •Georgia, Iowa, Utah, and Washington enacted AI-limiting laws effective 2026-2027
• •All require human clinical review and physician judgment to override AI recommendations
• •Disclosure requirements vary: Washington most comprehensive, Iowa limited to requesting providers

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