The proposed bill establishes a new section, 627.4263, in the Florida Statutes, which mandates that insurance claim denials must be made by qualified human professionals rather than relying solely on algorithms, artificial intelligence, or machine learning systems. The bill defines key terms such as "algorithm," "artificial intelligence system," "machine learning system," and "qualified human professional." It outlines the responsibilities of these professionals, including the requirement to independently analyze claims and review any outputs generated by automated systems. Insurers are also required to maintain detailed records of the decision-making process and the professionals involved.

Additionally, the bill stipulates that insurers must provide clear communication to claimants regarding the denial of claims, including the identification of the qualified human professional responsible for the decision and a statement affirming that automated systems did not solely determine the outcome. Insurers utilizing automated systems must document their use in their claims-handling manuals. The Office of Insurance Regulation is authorized to conduct examinations and investigations to ensure compliance, and the Financial Services Commission is empowered to adopt necessary rules for implementation. The act is set to take effect on July 1, 2026.