CS/CS/HB 527: Mandatory Human Reviews of Insurance Claim Denials

GENERAL BILL by Commerce Committee, Insurance & Banking Subcommittee, Cassel; (CO-INTRODUCERS) Cobb, Cross, Mooney, Robinson, F., Salzman

Mandatory Human Reviews of Insurance Claim Denials ; Authorizes workers' compensation carriers, insurers &HMOs to use artificial intelligence systems & machine learning systems to assist in processing claims; prohibits use of 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 to deny claim or portion of claim or reduce claim be made by qualified human professionals; authorizes OIR to conduct market conduct examinations & investigations.

Current Bill Version Posted: 2/27/2026 06:15 PM

• Senate Committee References (1)

  1. Rules (RC)

• Related Bills (1)

  Bill Number Subject Filed By Last Action and Location	Relationship Learn more about bill relationships
  S 202 by Bradley Mandatory Human Reviews of Insurance Claim Denials Last Action: 3/13/2026 S Died in Banking and Insurance	Compare

• Floor Votes (1)

  Links in this section are PDF documents.

  Date	Chamber	Result
  3/5/2026 10:39 AM	House	108 Yeas - 0 Nays

• Citations - Statute (3)

  The page numbers, when listed, for citations are constantly under review. The journals or printed bills of the respective chambers should be consulted as the official documents of the Legislature.
  
  The links for the page numbers are formatted to open the bill text PDF directly to the page containing the citation. However, if your browser is set to open PDFs in a new window, as is often the case with 64-bit browsers, the bill text will open to the first page.

  440.131		Page 3 (pdf)
  627.4263		Page 6 (pdf)
  641.31091		Page 9 (pdf)

• Bill History

  S = Senate, H = House

  11/24/2025	H	• Filed
  12/1/2025	H	• Referred to Insurance & Banking Subcommittee • Referred to Commerce Committee • Now in Insurance & Banking Subcommittee
  12/2/2025	H	• Added to Insurance & Banking Subcommittee agenda
  12/9/2025	H	• Favorable with CS by Insurance & Banking Subcommittee
  12/11/2025	H	• Reported out of Insurance & Banking Subcommittee • Laid on Table under Rule 7.18(a) • CS Filed
  12/12/2025	H	• Referred to Commerce Committee • Now in Commerce Committee
  1/13/2026	H	• 1st Reading (Original Filed Version) • 1st Reading (Committee Substitute 1)
  2/24/2026	H	• Added to Commerce Committee agenda
  2/26/2026	H	• Favorable with CS by Commerce Committee
  2/27/2026	H	• Reported out of Commerce Committee • Laid on Table under Rule 7.18(a) • CS Filed
  3/2/2026	H	• Bill referred to House Calendar • Bill added to Special Order Calendar (3/5/2026) • 1st Reading (Committee Substitute 2)
  3/5/2026	H	• Read 2nd time • Added to Third Reading Calendar • Read 3rd time • CS passed; YEAS 108, NAYS 0
  3/5/2026	S	• In Messages • Referred to Rules • Received
  3/13/2026	S	• Died in Rules