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.

SB 2010, the "Regulate Artificial Intelligence in Health Care Act," requires health insurance companies to have licensed healthcare professionals review AI-driven decisions about whether medical care is medically necessary before denying or delaying treatment. It directly affects health insurance issuers - including TennCare, pharmacy benefits managers, and large insurers - that use AI tools for prior authorization decisions. The bill prohibits AI systems from making final medical necessity determinations alone, mandating that licensed providers evaluate each case based on patient history and clinical details. Violations are considered unfair claims practices, allowing affected individuals to sue for damages, including attorney fees, and the law takes effect July 1, 2026.