Insurance Companies, Agents, Brokers, Policies - As introduced, imposes requirements for health insurance issuers using artificial intelligence, algorithms, or other software for utilization review or utilization management functions. - Amends TCA Title 8, Chapter 27; Title 56 and Title 71.

HB 1382 requires health insurance companies, HMOs, and programs like TennCare to follow specific rules when using artificial intelligence or algorithms to review treatment requests (utilization management). It mandates that AI tools must base decisions on individual patient medical history and provider recommendations - not group data - and cannot override licensed doctors' evaluations of medical necessity. Insurers must disclose AI use in their policies, regularly review AI performance for accuracy, and ensure tools don’t discriminate or harm patients. This bill directly affects all Tennessee health insurance issuers using AI for treatment reviews, including major programs like TennCare and pharmacy benefits managers.