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Glossary of Legislative Terms

CS/SB 794: Mandatory Human Reviews of Insurance Claim Denials

GENERAL BILL by Banking and Insurance ; Bradley

Mandatory Human Reviews of Insurance Claim Denials; Requiring that insurers’ decisions to deny claims or any portion of a claim be made by qualified human professionals; prohibiting using algorithms, artificial intelligence, or machine learning systems as the sole basis for determining whether to adjust or deny a claim; requiring insurers to include certain information in denial communications to claimants, etc.

Effective Date: 1/1/2026
 Last Action: 3/26/2025 Senate - CS by Banking and Insurance read 1st time
Bill Text: Web Page | PDF
Senate Committee References:
  1. Banking and Insurance (BI)
  2. Appropriations Committee on Agriculture, Environment, and General Government (AEG)
  3. Rules (RC)

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  • Bill History

    Date Chamber Action
    2/18/2025 Senate • Filed
    2/28/2025 Senate • Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Rules
    3/4/2025 Senate • Introduced
    3/20/2025 Senate • On Committee agenda-- Banking and Insurance, 03/25/25, 8:30 am, 412 Knott Building
    3/25/2025 Senate • CS by Banking and Insurance; YEAS 9 NAYS 0
    3/26/2025 Senate • Pending reference review under Rule 4.7(2) - (Committee Substitute)
    • Now in Appropriations Committee on Agriculture, Environment, and General Government
    • CS by Banking and Insurance read 1st time

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  • CS/SB 794, Committee Substitute 1 (Current Bill Version) Posted 3/26/2025 at 9:25 AM

    Bill Text:   Web Page | PDF
    Analyses:   None

    Related Bills (2)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 1555 Insurers' Liabilities and Responsibilities Cassel Compare Last Action: 3/5/2025 H Now in Insurance & Banking Subcommittee Track This Bill
    S 1740 (c1) Insurance Ingoglia Compare Last Action: 3/19/2025 S CS by Banking and Insurance read 1st time Track This Bill

    Citations - Statutes (1)

    Citation Catchline Location in Bill Location In Bill Help
    627.4263 Page 1 (pdf)

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  • SB 794, Original Filed Version Posted 2/18/2025 at 8:19 AM

    Bill Text:   Web Page | PDF
    Analyses:   Banking and Insurance (Pre-Meeting) 3/24/2025 (pdf)
    Banking and Insurance (Post-Meeting) 3/26/2025 (pdf)

    Related Bills (2)

    Bill Number Subject Filed By Relationship Last Action and Location Track Bills
    H 1555 Insurers' Liabilities and Responsibilities Cassel Compare Last Action: 3/5/2025 H Now in Insurance & Banking Subcommittee Track This Bill
    S 1740 (c1) Insurance Ingoglia Compare Last Action: 3/19/2025 S CS by Banking and Insurance read 1st time Track This Bill

    Committee Amendments (1)

    Amendment Sponsor Filed Last Committee Action Format
    861188 - Amendment (Delete All)
    Delete everything after the enacting clause and insert:     		Banking and Insurance
    (Bradley)     		3/25/2025
    7:48 AM
    (Late Filed)     		Replaced by Committee Substitute
    3/25/2025     		Web Page
    PDF

    Committee Votes (1)

    Date Committee Result
    3/25/2025 8:30 AM Banking and Insurance 9 Yeas - 0 Nays

    Citations - Statutes (1)

    Citation Catchline Location in Bill Location In Bill Help
    627.4263 Page 1 (pdf)

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