HB 527 Florida House · 2026 Regular Session

Mandatory Human Reviews of Insurance Claim Denials

Summary

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.

Issues: ✓ Healthcare ✗ Technology

Bill status died 3 of 5 stages cleared

Introduction

Nov 2025

Committee Review

Mar 2026

House Passage

Mar 2026

Senate Passage

Governor

Introduced Nov 24, 2025 Last action Mar 13, 2026

Maddy AI version diff · 2 comparisons

What changed between versions

H 527 c1 → H 527 c2 · 4 edits

MODERATE

The bill was amended to remove the explicit mention of 'algorithms' from its title and summary, focusing the legislation solely on artificial intelligence and machine learning systems. This change clarifies that the mandatory human review requirements apply specifically to AI and ML technologies, rather than the broader category of algorithms. Consequently, the bill's scope is narrowed to target only these specific types of automated decision-making tools.

Scope change

The bill's scope was narrowed by removing 'algorithms' from the list of technologies subject to human review requirements, focusing exclusively on artificial intelligence and machine learning systems.

DEFINITION

The term 'algorithms' was removed from the bill's summary and operative text, which previously grouped algorithms, AI, and ML together.

The definition of 'artificial intelligence system' was updated to include a specific description of how these systems generate outputs to influence decisions.

A new definition for 'machine learning system' was added, defining it as a type of artificial intelligence system.

REQUIREMENT

The requirement for mandatory human reviews now explicitly applies only to decisions made by artificial intelligence or machine learning systems, excluding standalone algorithms.

Floor votes · House Mar 5, 2026

How they voted

109–0

Passed · 9 other

Total votes 118

Mar 5, 2026

D Democratic34

31 Yea 3

91% Yea

R Republican84

78 Yea 6

92% Yea

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Mar 5, 2026

Committee

Referred to Rules

upper

Mar 5, 2026

Lower · Passed

CS passed; YEAS 108, NAYS 0

lower

Mar 2, 2026

Committee

Bill referred to House Calendar

lower

Feb 27, 2026

Lower · Passed

Reported out of Commerce Committee

lower

Feb 26, 2026

Lower · Passed

Favorable with CS by Commerce Committee

lower

Feb 24, 2026

Lower · Passed

Added to Commerce Committee agenda

lower

Dec 12, 2025

Lower · Passed

Now in Commerce Committee

lower

Dec 12, 2025

Committee

Referred to Commerce Committee

lower

Dec 11, 2025

Lower · Passed

Reported out of Insurance & Banking Subcommittee

lower

Dec 9, 2025

Lower · Passed

Favorable with CS by Insurance & Banking Subcommittee

lower

Dec 2, 2025

Lower · Passed

Added to Insurance & Banking Subcommittee agenda

lower

Dec 1, 2025

Lower · Passed

Now in Insurance & Banking Subcommittee

lower

Dec 1, 2025

Committee

Referred to Commerce Committee

lower

Dec 1, 2025

Committee

Referred to Insurance & Banking Subcommittee

lower

1 primary · 5 co-sponsors