AN ACT RELATING TO INSURANCE -- THE TRANSPARENCY AND ACCOUNTABILITY IN ARTIFICIAL INTELLIGENCE USE BY HEALTH INSURERS TO MANAGE COVERAGE AND CLAIMS ACT

HB 5172 requires health insurers in Rhode Island to be transparent and accountable when using artificial intelligence to manage coverage and claims. It mandates insurers to publicly disclose their AI algorithms and data, maintain records for five years, and notify enrollees when AI is used in coverage denials or reductions. Insurers must involve licensed healthcare professionals - not just AI - to review adverse decisions on medically necessary care and continuously monitor for discrimination or privacy violations. This law directly affects all Rhode Island health insurers and their enrollees by creating enforceable standards for AI use in claims management.