Florida legislation · 2026 Regular Session
Florida S202: Mandatory Human Reviews of Insurance Claim Denials
Status: Failed, March 13, 2026
Requiring that insurers' decisions to deny a claim or any portion of a claim be made by qualified human professionals; prohibiting the use of algorithms, artificial intelligence, or machine learning systems as the sole basis for determining whether to adjust or deny a claim; authorizing the Office of Insurance Regulation to conduct market conduct examinations and investigations under certain circumstances, etc.
What the bill says
An act relating to mandatory human reviews of insurance claim denials; creating s. 627.4263, F.S.; defining terms; requiring that insurersâ decisions to deny a claim or any portion of a claim be made by qualified human professionals; specifying the duties of qualified human professionals; requiring an insurer to maintain certain records; prohibiting the use of algorithms, artificial intelligence, or machine learning systems as the sole basis for determining whether to adjust or deny a claim…
From the introduced text, October 15, 2025:
A bill to be entitled An act relating to mandatory human reviews of insurance claim denials; creating s. 627.4263, F.S.; defining terms; requiring that insurersâ decisions to deny a claim or any portion of a claim be made by qualified human professionals; specifying the duties of qualified human professionals; requiring an insurer to maintain certain records; prohibiting the use of algorithms, artificial intelligence, or machine learning systems as the sole basis for determining whether to adjust or deny a claim; requiring insurers to include certain information in denial communications to claimants; requiring that certain insurers detail certain information in their claims handling manual; authorizing the Office of Insurance Regulation to conduct market conduct examinations and investigations under certain circumstances; authorizing the Financial Services Commission to adopt rules; providing an effective date. Be It Enacted by the Legislature of the State of Florida: Section 1.âSection 627.4263, Florida Statutes, is created to read: 627.4263âMandatory human reviews of claim denials.â (1)âAs used in this section, the term: (a)ââAlgorithmâ means a clearly specified mathematical process for computation which uses rules designed to give prescribed results. (b)ââArtificial intelligence systemâ means a machine-based system that may have varying levels of autonomy and that can, for a given set of objectives, generate outputs, such as predictions, recommendations, or content, influencing decisions made in real or virtual environments. …
Sponsors
- Bradley, Jennifer (R, SD-006) · primary sponsor
- Garcia, Ileana (R, SD-036)
- Mayfield, Debbie (R, SD-019)
- Sharief, Barbara (D, SD-035)
- Arrington, Kristen (D, SD-025)
Latest actions
- : Died in Banking and Insurance
- : Introduced
- : Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Rules
- : Filed
Subjects: Rules, Banking and Insurance, Appropriations Committee on Agriculture, Environment, and General Government
Common questions
- What is S202?
- S202 is a bill in the Florida Legislature (2026 Regular Session): Mandatory Human Reviews of Insurance Claim Denials.
- What does S202 do?
- In its own words: An act relating to mandatory human reviews of insurance claim denials; creating s. 627.4263, F.S.; defining terms; requiring that insurersâ decisions to deny a claim or any portion of a claim be made by qualified human professionals; specifying the duties of qualified human professionals; requiring an insurer to maintain certain records; prohibiting the use of algorithms, artificial intelligence, or machine learning systems as the sole basis for determining whether to adjust or deny a claim…
- What is the status of S202?
- Failed as of March 13, 2026. Latest action: Died in Banking and Insurance (March 13, 2026).
- Who sponsored S202?
- Bradley, Jennifer (R, SD-006), with 4 co-sponsors.
- Where is the official record for S202?
- On the Florida Legislature website: https://www.flsenate.gov/Session/Bill/2026/202
Source: official Florida record. Tracked by Delilah, AI for legislation across all 50 states and Congress.