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

SB 2010 requires health insurers in Rhode Island to disclose how they use artificial intelligence (AI) to manage claims and coverage decisions, particularly for denials of medically necessary care. Insurers must document AI-driven decisions for five years, report system details to regulators, and ensure licensed healthcare providers review and approve any AI-related denial of medically necessary care before finalizing it. The bill mandates transparency about AI models, training data, and performance metrics, while requiring annual reports to the governor and legislature on insurer AI usage. This directly affects health insurers, enrollees (policyholders), and healthcare providers involved in coverage decisions.