CS/CS/HB 527 (2026): Mandatory Human Reviews of Insurance Claim Denials

Summary

Would have let workers' compensation carriers, insurers and HMOs use artificial intelligence and machine learning systems to assist in processing claims, but barred them from reducing a claim payment or denying all or part of a claim based solely on such a system's output. A qualified human professional would have had to analyse the claim independently of the system, review the accuracy of its output and make the decision. Carriers would have had to keep records of each such decision, affirm in denial letters that AI was not the sole basis, and describe their AI use and how it complies in their claims-handling manuals.

Safety topics

Status notes

Filed on 24 Nov 2025; committee substitutes were adopted by the Insurance & Banking Subcommittee (9 Dec 2025, which extended the bill to workers' compensation and HMOs) and the Commerce Committee (26 Feb 2026, filed 27 Feb 2026, which dropped references to algorithms). Passed the House 108-0 on 5 Mar 2026, was referred to the Senate Rules Committee and died there on 13 Mar 2026; the Senate bill SB 202 died in Banking and Insurance. The bill stated an effective date of 1 Jul 2026. The Office of Insurance Regulation (insurers and HMOs) and the Department of Financial Services (workers' compensation carriers) would have checked compliance through market conduct examinations, with administrative fines for workers' compensation carriers of up to USD 2,500 per nonwillful and USD 20,000 per willful violation.

Sources

Open the official source https://www.flsenate.gov/Session/Bill/2026/527

Secondary source: https://www.flsenate.gov/Session/Bill/2026/527/Analyses/h0527c.COM.PDF

Local copy

Verification

History

1. 2026-10-18title: CS/CS/HB 527 (2026): Mandatory Human Reviews of Insurance Claim Denials (passed → CS/CS/HB 527 (2026): Mandatory Human Reviews of Insurance Claim Denials — removed the parenthetical '(passed House, died in Senate)': it records the bill's fate, which is in status and notes, and is not part of the bill's title on the Senate bill page2026-10-18-recheck-north-america-2 · Claude Code (claude-opus-5-5)
2. 2026-10-14Added to the register — found in pipeline run 2026-10-14-discover-codes-us-fl, candidate C008 (US-FL/legislature)2026-10-14-discover-codes-us-fl · Claude Code (claude-opus-5-5)

Citation

Florida House of Representatives (2026 Regular Session; sponsors Commerce Committee, Insurance & Banking Subcommittee and Rep. Cassel). CS/CS/HB 527 (2026): Mandatory Human Reviews of Insurance Claim Denials [CS/CS/HB 527 (2026 Regular Session)]. 2025-11-24. https://www.flsenate.gov/Session/Bill/2026/527. Status: Lapsed; verified 2026-10-18 (level A). Local copy archive/_runs/2026-10-14-discover-codes-us-fl/C008/2026-10-14/official.html retrieved 2026-10-14 15:56:57 UTC, SHA-256 aa043b42ed2d1903aa908eb484326a03886585d0e665b8e5eb8f76b251413a34. Every AI Policy Ever, version 1.18 (snapshot 2026-10-18), record US-FL-09.

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