If enacted, this bill will contain provisions that require regular reviews and disclosures related to how AI systems are utilized to make insurance decisions. Insurers are mandated to develop an AI systems program that outlines responsible practices in using AI for decision-making related to their customers' insurance plans. The Department of Insurance will have the authority to enforce compliance and conduct investigations into insurers' use of these technologies, ensuring regulatory oversight is adhered to.
Summary
House Bill 5918, titled the 'Artificial Intelligence Systems Use in Health Insurance Act,' aims to regulate the implementation of artificial intelligence (AI) systems in the health insurance industry in Illinois. The bill requires the Department of Insurance to oversee the use of AI systems by insurers to ensure that the technology does not adversely affect consumers. Specifically, the legislation mandates that insurers cannot issue adverse consumer outcomes solely based on AI determinations regarding insurance coverage or claims without proper human oversight.
Contention
There are potential points of contention regarding the implementation of HB5918. Advocates of the bill see it as a necessary step towards protecting consumer interests in an era where AI is increasingly used in decision-making processes. However, opponents may raise concerns about the feasibility of such regulations and their impact on technological advancement in the insurance sector. Moreover, issues surrounding data privacy and the transparency of AI decision-making processes may also arise during discussions about the bill's requirements and enforcement mechanisms.
Requires automobile insurers to provide DOBI with annual documentation demonstrating no discriminatory outcomes with insurer’s automated underwriting system.