Purpose of the Bill

The bill aims to regulate the use of technology, specifically algorithms and artificial intelligence (AI), in the health insurance industry in Minnesota. The focus is on ensuring more human oversight and judgement in processing healthcare requests.

Main Provisions

• The bill seeks to prevent health insurance companies from using algorithms or AI systems for the evaluation of prior authorization requests. Prior authorization is a process used by health insurers to determine whether they will cover a prescribed procedure, service, or medication.

Significant Changes to Existing Law

• The bill adds a new subdivision to Minnesota Statutes 2024 section 62A.59, specifically prohibiting the use of algorithmic or AI tools in the decision-making process for prior authorization. This marks a shift towards more manual review processes by human evaluators in health care decisions, differing from previous or current practices that may leverage technological assistance.

Relevant Terms

• Health insurance
• Algorithm
• Artificial Intelligence (AI)
• Prior authorization
• Health carrier