This bill establishes new regulations regarding the use of artificial intelligence (AI) in health insurance decision-making processes in Oklahoma. It defines key terms such as "adverse consumer outcome," "AI system," and "medical necessity." The bill prohibits health insurance issuers from issuing adverse consumer outcomes based on AI systems, mandating that any final decisions regarding claim denials, reductions, or terminations must be made by a licensed professional. Additionally, health insurance issuers are required to provide claimants with a disclosure notice indicating that the final decision was made by a human professional rather than an AI system.

Furthermore, the bill stipulates that insurers must consult with the claimant's healthcare provider regarding medical necessity before issuing any final adverse consumer outcomes. The Commissioner of Insurance is granted the authority to investigate the use of AI systems by insurers to ensure compliance with the new regulations and may impose fines for violations. The bill also allows the Commissioner to promulgate necessary rules for enforcement. An emergency clause is included, allowing the bill to take effect immediately upon passage and approval.