HB 527: Mandatory Human Reviews of Insurance Claim Denials
GENERAL BILL by Cassel
Mandatory Human Reviews of Insurance Claim Denials; Requires that insurers' decisions to deny claims or any portion of claim be made by qualified human professionals; provides duties of qualified human professionals before they make certain determinations; requires insurers to maintain certain records; prohibits algorithms, artificial intelligence systems, & machine learning systems from being used as sole basis for determining whether to adjust or deny claim or portion of claim; requires insurers to include certain information & statements in denial communications to claimants; requires that certain insurers detail certain information in their claims-handling manual; authorizes OIR to conduct market conduct examinations & investigations.
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Bill History
Date Chamber Action 11/24/2025 House • Filed
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HB 527, Original Filed Version (Current Bill Version) Posted 11/24/2025 at 9:55 AM
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 Identical Last Action: 11/3/2025 S Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Rules 
Citations - Statutes (1)
Citation Catchline Location in Bill Location In Bill Help 627.4263 Page 1 (pdf)