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 section adds a new subdivision to Minnesota's existing prior authorization statute, imposing an absolute prohibition on health carriers' use of algorithms or artificial intelligence programs in prior authorization determinations. The prohibition is notable for its breadth — it does not merely require human oversight or prohibit AI as the sole basis for a determination, but rather bars any use of AI or algorithms in the approval or denial process entirely. The provision applies to health plans offered, sold, issued, or renewed on or after January 1, 2026.
The bill does not define "algorithm" or "artificial intelligence program," leaving the scope of the prohibition to be determined by the Department of Commerce through enforcement. This undefined scope could capture a wide range of automated tools, from machine-learning models to simple rule-based decision trees used in claims processing.