CS/HB 527: Mandatory Human Reviews of Insurance Claim Denials
GENERAL BILL by Insurance & Banking Subcommittee ; Cassel ; (CO-INTRODUCERS) Salzman
Mandatory Human Reviews of Insurance Claim Denials ; Authorizes workers' compensation carriers, insurers & HMOs to use algorithms, artificial intelligence systems, & machine learning systems to assist in processing claims; prohibits use of algorithms, artificial intelligence, or machine learning systems as sole basis for determining whether to reduce claim payment or deny claim or portion of claim; requires that decisions by carriers, insurers & HMOs to deny claim or portion of claim or reduce claim be made by qualified human professionals; specifies duties of qualified human professionals; requires carriers, insurers & HMOs to include certain information in denial communications to claimants; authorizes DFS & OIR to conduct examinations & investigations.
-
Bill History
Date Chamber Action 11/24/2025 House • Filed
12/1/2025 House • Referred to Insurance & Banking Subcommittee
• Referred to Commerce Committee
• Now in Insurance & Banking Subcommittee
12/2/2025 House • Added to Insurance & Banking Subcommittee agenda
12/9/2025 House • Favorable with CS by Insurance & Banking Subcommittee
12/11/2025 House • Reported out of Insurance & Banking Subcommittee
• Laid on Table under Rule 7.18(a)
• CS Filed
12/12/2025 House • Referred to Commerce Committee
• Now in Commerce Committee
-
CS/HB 527, Committee Substitute 1 (Current Bill Version) Posted 12/11/2025 at 3:31 PM
Bill Text: PDF Analyses: None Related Bills (1)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills S 202 Mandatory Human Reviews of Insurance Claim Denials Bradley Compare Last Action: 11/3/2025 S Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Rules 
Citations - Statutes (3)
Citation Catchline Location in Bill Location In Bill Help 440.131 Page 3 (pdf) 627.4263 Page 6 (pdf) 641.31091 Page 10 (pdf) -
HB 527, Original Filed Version Posted 11/24/2025 at 9:55 AM
Bill Text: PDF Analyses: Insurance & Banking Subcommittee (Post-Meeting) 12/11/2025 (pdf)
Related Bills (1)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills S 202 Mandatory Human Reviews of Insurance Claim Denials Bradley Identical Last Action: 11/3/2025 S Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Rules
Committee Amendments (1)
Amendment Sponsor Filed Last Committee Action Format 245389 - Strike All Amendment
Remove everything after the enacting clause and insert:Cassel 12/8/2025
5:40 PMPDF Citations - Statutes (1)
Citation Catchline Location in Bill Location In Bill Help 627.4263 Page 1 (pdf)