The proposed bill establishes a new section, 627.4263, in the Florida Statutes that mandates human reviews for insurance claim denials. It defines key terms such as "algorithm," "artificial intelligence system," "machine learning system," and "qualified human professional." The bill requires that decisions to deny claims or portions of claims must be made by qualified human professionals who are responsible for independently analyzing the facts of the claim and reviewing any outputs generated by automated systems. Insurers are also required to maintain detailed records of these decisions and the professionals involved.

Additionally, the bill prohibits the use of algorithms, artificial intelligence, or machine learning systems as the sole basis for claim adjustments or denials. Insurers must clearly identify the qualified human professional responsible for the denial in communications to claimants and affirm that automated systems did not solely influence the decision. The Office of Insurance Regulation is authorized to conduct examinations to ensure compliance, and the Financial Services Commission may adopt rules to implement these provisions. The act is set to take effect on January 1, 2026.