SB 202: Mandatory Human Reviews of Insurance Claim Denials

GENERAL BILL by Bradley; (CO-INTRODUCERS) Garcia, Mayfield, Sharief, Arrington

Mandatory Human Reviews of Insurance Claim Denials; Requiring that insurers’ decisions to deny a claim or any portion of a claim be made by qualified human professionals; prohibiting the use of algorithms, artificial intelligence, or machine learning systems as the sole basis for determining whether to adjust or deny a claim; authorizing the Office of Insurance Regulation to conduct market conduct examinations and investigations under certain circumstances, etc.

Current Bill Version Posted: 10/15/2025 12:45 PM

• Senate Committee References (3)

  1. Banking and Insurance (BI)
  2. Appropriations Committee on Agriculture, Environment, and General Government (AEG)
  3. Rules (RC)

• Related Bills (1)

  Bill Number Subject Filed By Last Action and Location	Relationship Learn more about bill relationships
  H 527 (c2) by Insurance & Banking Subcommittee Mandatory Human Reviews of Insurance Claim Denials Last Action: 3/13/2026 S Died in Rules	Compare

• Citations - Statute (1)

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  627.4263

  Page 1 (pdf)

• Bill History

  S = Senate, H = House

  10/15/2025	S	• Filed
  11/3/2025	S	• Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Rules
  1/13/2026	S	• Introduced
  3/13/2026	S	• Died in Banking and Insurance