Health Insurance; requiring certain decisions to be made by licensed professional; prohibiting issuance of outcomes determined with artificial-intelligence; requiring disclosure notice by insurer. Emergency.

SB 2038 prohibits health insurance companies in Oklahoma from using artificial intelligence (AI) systems to make final decisions denying, reducing, or terminating coverage or benefits. Instead, all such decisions must be reviewed and issued by licensed healthcare providers, not AI. The bill requires insurers to disclose to patients that human providers - not AI - made the final decision, and mandates that insurers consult a patient’s treating provider on medical necessity before denying coverage. These requirements apply directly to health insurance issuers operating in Oklahoma and affect patients whose claims are reviewed by insurers.