Regulate the use of artificial intelligence by health insurers

SB 164 requires health insurers in Ohio to disclose how they use artificial intelligence in underwriting and claims decisions. It mandates transparency about AI algorithms, prohibits biased or discriminatory outcomes, and requires human review for significant coverage denials involving AI. The bill directly affects health insurers operating in Ohio and ensures policyholders receive clear explanations for AI-driven decisions impacting their coverage. Key provisions include requiring insurers to document AI systems and establish processes to address potential bias before implementation. This regulation aims to protect consumers from opaque or unfair AI practices in health insurance.