Bill > HB1406

This bill prohibits health insurance carriers from using artificial intelligence (AI) to modify or override the clinical judgments made by healthcare providers. Specifically, the bill prevents carriers from using AI to conduct audits of provider medical codes or to adjust those codes in a way that would change the original clinical assessment made by a healthcare professional. Under the proposed law, health carriers must maintain detailed records documenting their use of AI tools in claims processing and make these records available to the state insurance department for potential audit. If a carrier violates this prohibition, they would be subject to penalties under unfair insurance practice regulations, which could include administrative fines or being ordered to provide restitution if the AI-driven code changes result in delays or denials of patient care. The bill defines artificial intelligence according to an existing state statute (RSA 5-D:1), and is set to take effect on January 1, 2027, giving health carriers ample time to adjust their practices to comply with the new requirements.