Insurance, Health, Accident - As introduced, creates the "Regulate Artificial Intelligence (AI) In Health Care Act." - Amends TCA Title 8, Chapter 27; Title 56 and Title 71.

HB 1866, the "Regulate Artificial Intelligence in Health Care Act," requires health insurance companies, pharmacy benefits managers, and state health programs like TennCare to have a licensed healthcare professional review any AI-driven decision to deny, delay, or modify medical care based on medical necessity. The bill prohibits using AI alone for such decisions without this human review, which must consider the patient’s medical history, the provider’s recommendation, and individual clinical circumstances. Violations would be treated as unfair claims practices, allowing affected patients to sue for actual damages, punitive damages, and attorney fees. The law would take effect on July 1, 2026, for most purposes.