WHAT THIS BILL REGULATES · 1 REQUIREMENT TYPE
How Is This Bill Enforced
Verbatim statutory text on the left; plain-language analysis and a per-section checklist on the right. Numbered markers cross-link to the matching checklist row.
Subd. 3 1 A health carrier is prohibited from using an algorithm or artificial intelligence program when making a determination to approve or deny a prior authorization request.
Effective Date This section is effective January 1, 2026, and applies to health plans offered, sold, issued, or renewed on or after that date.
This provision adds a new subdivision to Minnesota's prior authorization statute that categorically prohibits health carriers from using any algorithm or artificial intelligence program when making a determination to approve or deny a prior authorization request. This is a bright-line prohibition — not a human-oversight requirement — meaning AI tools may not be used in any capacity in the prior authorization determination process, even with human review or override.
The bill does not define algorithm or artificial intelligence program, which creates potential scope ambiguity. Read broadly, the prohibition could encompass simple rule-based decision trees and automated claims processing workflows that predate modern AI. The provision applies to health plans offered, sold, issued, or renewed on or after January 1, 2026.