Oklahoma legislation · 2026 Regular Session
Oklahoma SB2038: Health Insurance; requiring certain decisions to be made by licensed professional; prohibiting issuance of outcomes determined with artificial-intelligence; requiring disclosure notice by insurer. Emergency.
Status: In committee, February 3, 2026
What the bill says
An Act relating to health insurance; defining terms; prohibiting issue of certain outcomes by artificial intelligence; prohibiting certain health insurance issuer from issuing certain outcome from the use of certain AI system; requiring certain decisions to be reviewed by certain licensed health care provider; requiring certain health insurance issuer to provide certain disclosure to certain claimant; allowing certain promulgation of rules by Insurance Commissioner; allowing Commissioner to investigate and review use of AI by certain issuer; providing for codification…
From the introduced text, January 15, 2026:
An Act relating to health insurance; defining terms; prohibiting issue of certain outcomes by artificial intelligence; prohibiting certain health insurance issuer from issuing certain outcome from the use of certain AI system; requiring certain decisions to be reviewed by certain licensed health care provider; requiring certain health insurance issuer to provide certain disclosure to certain claimant; allowing certain promulgation of rules by Insurance Commissioner; allowing Commissioner to investigate and review use of AI by certain issuer; providing for codification; and declaring an emergency. SECTION 1. NEW LAW A new section of law to be codified in the Oklahoma Statutes as Section 6568 of Title 36, unless there is created a duplication in numbering, reads as follows: As used in this act: 1. "Adverse consumer outcome" means a decision by a health insurance issuer that is subject to insurance regulatory standards enforced by the Insurance Department that adversely impacts the consumer in a manner that violates those standards or any claim denial; Req. No. 3029 Page 1 2. "AI system" means a machine-based system that can, with varying levels of autonomy, for a given set of objectives, generate outputs such as productions, recommendations, content such as text, images, videos, or sounds, or other outputs influencing decisions made in real or virtual environments. AI system includes the term artificial intelligence; 3. "Artificial …