Assembly Bill 1109 prohibits health insurance policies and self-insured governmental health plans from using artificial intelligence to deny prior authorization for medical necessity or experimental status. Instead, the bill mandates that a licensed health care provider must review such prior authorizations before any denial can occur. This requirement is established through the creation of two new sections in the statutes: 609.825 and 632.852, which outline the necessity for human review in these cases.

The bill also includes provisions regarding its applicability, stating that it will first apply to policy or plan years beginning on the effective date of the legislation, with specific considerations for policies affected by collective bargaining agreements. The act is set to take effect on the first day of the fourth month following its publication.