Section 3406ss is the bill's sole operative provision. It imposes a categorical prohibition: health insurers may not deny, modify, or delay a claim based on a review using artificial intelligence. The prohibition applies to any insurer that delivers, issues for delivery, or renews a health insurance policy in Michigan.

Notably, the bill does not define "artificial intelligence," does not carve out AI tools used as decision-support under human oversight, and does not distinguish between AI as the sole basis versus a contributing factor in a claim decision. The breadth of the prohibition — covering any claim action "based on" AI review — is unusually expansive compared to other state healthcare AI bills, which typically require human review of AI-assisted decisions rather than banning AI involvement outright.