HB3675

Oklahoma HB3675 prohibits health insurance agents from using automated systems to make adverse determinations, requiring human review.

Oklahoma HB3675 establishes that adverse determinations by health insurance agents must be reviewed by a qualified human professional before being finalized. The bill prohibits the use of algorithms, artificial intelligence systems, or automated decision systems for making adverse determinations. It allows the Insurance Commissioner to audit and inspect the use of automated systems by agents. The notice of an adverse determination must include the reasons, clinical basis, screening criteria, and appeal process. The act becomes effective November 1, 2026.