Generally revise usage of artificial intelligence in certain health insurance

This bill establishes new rules for health insurance companies in Montana that use artificial intelligence to review medical claims and determine coverage. It requires insurers to ensure AI systems base decisions on individual patient medical history and clinical circumstances rather than relying solely on group data, while also mandating regular audits and prohibiting the use of AI to directly deny or delay care. The legislation maintains that final decisions on medical necessity must be made by licensed physicians, not automated systems, and gives the state insurance commissioner authority to enforce compliance through existing penalties.