Florida legislation · 2026 Regular Session
Florida H527: Mandatory Human Reviews of Insurance Claim Denials
Status: Failed, March 13, 2026
Authorizes workers' compensation carriers, insurers &HMOs to use artificial intelligence systems & machine learning systems to assist in processing claims; prohibits use of artificial intelligence or machine learning systems as sole basis for determining whether to reduce claim payment or deny claim or portion of claim; requires that decisions to deny claim or portion of claim or reduce claim be made by qualified human professionals; authorizes OIR to conduct market conduct examinations & investigations.
What the bill says
An act relating to mandatory human reviews of insurance claim denials; creating s. 440.131, F.S.; defining terms; authorizing workers' compensation carriers to use artificial intelligence systems and machine learning systems to assist in processing claims; prohibiting the use of artificial intelligence or machine learning systems as the sole basis for determining whether to reduce a claim payment or deny a claim or portion of a claim; requiring that carriers' decisions to deny a claim or portion of a claim or reduce a claim be made by qualified human professionals…
From the introduced text, February 27, 2026:
A bill to be entitled An act relating to mandatory human reviews of insurance claim denials; creating s. 440.131, F.S.; defining terms; authorizing workers' compensation carriers to use artificial intelligence systems and machine learning systems to assist in processing claims; prohibiting the use of artificial intelligence or machine learning systems as the sole basis for determining whether to reduce a claim payment or deny a claim or portion of a claim; requiring that carriers' decisions to deny a claim or portion of a claim or reduce a claim be made by qualified human professionals; specifying the duties of qualified human professionals; requiring a carrier to maintain certain records; requiring carriers to include certain information in denial communications to claimants; requiring that certain carriers detail certain information in their claims-handling manual; authorizing the Department of Financial Services to conduct examinations and investigations under certain circumstances and to adopt rules; providing penalties; creating s. 627.4263, F.S.; defining terms; authorizing insurers to use artificial intelligence systems and machine learning systems to assist in processing claims; prohibiting the use of artificial words underlined are additions. hb527-02-c2 FLORIDAHOUSEOFREPRESENTATIVES CS/CS/HB 527 2026 intelligence or machine learning systems as the sole basis for determining whether to reduce a claim payment or deny a claim or portion of a claim; requiring that insurers' decisions to deny a claim …
Sponsors
- Cassel, Hillary (R, HD-101) · primary sponsor
- Cobb, Nan (R, HD-026)
- Cross, Lindsay (D, HD-060)
- Mooney, Jim (R, HD-120)
- Robinson, Felicia (D, HD-104)
- Salzman, Michelle (R, HD-001)
- Salzman (R, 1)
Latest actions
- : Died in Rules
- : Received
- : Referred to Rules
- : In Messages
- : CS passed; YEAS 108, NAYS 0
- : Read 3rd time
- : Added to Third Reading Calendar
- : Read 2nd time
- : 1st Reading (Committee Substitute 2)
- : Bill added to Special Order Calendar (3/5/2026)
Votes
- House: H 527 c2 (March 5, 2026): 108 yea, 0 nay, passed
- House: Commerce Committee (February 26, 2026): 26 yea, 0 nay, passed
- House: Commerce Committee (February 26, 2026): 26 yea, 0 nay, passed
- House: Insurance & Banking Subcommittee (December 9, 2025): 18 yea, 0 nay, passed
- House: Insurance & Banking Subcommittee (December 9, 2025): 18 yea, 0 nay, passed
Subjects: Rules
Common questions
- What is H527?
- H527 is a bill in the Florida Legislature (2026 Regular Session): Mandatory Human Reviews of Insurance Claim Denials.
- What does H527 do?
- In its own words: An act relating to mandatory human reviews of insurance claim denials; creating s. 440.131, F.S.; defining terms; authorizing workers' compensation carriers to use artificial intelligence systems and machine learning systems to assist in processing claims; prohibiting the use of artificial intelligence or machine learning systems as the sole basis for determining whether to reduce a claim payment or deny a claim or portion of a claim; requiring that carriers' decisions to deny a claim or portion of a claim or reduce a claim be made by qualified human professionals…
- What is the status of H527?
- Failed as of March 13, 2026. Latest action: Died in Rules (March 13, 2026).
- Who sponsored H527?
- Cassel, Hillary (R, HD-101), with 6 co-sponsors.
- Where is the official record for H527?
- On the Florida Legislature website: https://www.flsenate.gov/Session/Bill/2026/527
Source: official Florida record. Tracked by Delilah, AI for legislation across all 50 states and Congress.