LD1301

Maine LD1301 prohibits the use of artificial intelligence in health insurance claim denials.

Maine LD1301 establishes requirements for health insurance carriers using artificial intelligence in medical review or utilization review determinations. Starting January 1, 2026, these determinations must be based on an enrollee's medical history and individual clinical circumstances, and not discriminate against enrollees. The use of artificial intelligence must be disclosed and open to inspection. The bill mandates that any denial, delay, modification, or adjustment of health care services based on medical necessity must be made by a clinical peer.