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Read. Follow. Verify.Ohio bill regulates health insurers' use of AI in medical care decisions and mandates annual public transparency reports
Last action · November 12, 2025: Referred to InsuranceSponsor: Jean Schmidt
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What This Bill Would Do
Ohio health plan issuers must file an annual report by March 1 disclosing their use of artificial intelligence in utilization reviews, and they are prohibited from making decisions based solely on AI results. Any decision to deny, delay, or modify care that involves an AI algorithm must include a plain-language explanation of the rationale, and determinations must be made by a qualified licensed physician or provider.
Enforces clinical review standards for health insurance coverage by barring fully automated AI care denials, requiring human physician evaluation of individual medical records, and establishing public reporting requirements for insurance algorithms.
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
health plan issuers
Health plan issuers must file annual reports on their AI usage, publish those reports online, ensure human physician review for medical necessity decisions, and provide plain-language explanations for AI-involved care denials.
covered persons
Covered persons receive protections against care denials based solely on AI, gain the right to plain-language explanations for denials involving AI, and have their medical necessity determinations reviewed by qualified licensed physicians.
superintendent of insurance
The superintendent receives annual AI reports from insurers, publishes them on the department's web site, and is authorized to audit insurers' use of artificial intelligence at any time.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
When must health plan issuers file their annual artificial intelligence reports?
Can an insurance company deny a medical service based entirely on an AI algorithm's output?
What information must accompany a care denial if an AI algorithm was involved?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
Currently in committee. The next step in the legislative lifecycle is Floor Vote.
Procedural history
2 actions- Nov 12, 2025HouseCommitteeReferred to Insurance
- Nov 5, 2025HouseIntroducedIntroduced
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Introduction of Mandated AI Transparency and Human Review in Health Insurance
The bill transitions health insurers from unregulated or self-regulated algorithmic review processes to mandatory annual public reporting and strict human clinical oversight requirements.
Connected Entities
Sources
www.legislature.ohio.gov
Analysis Score
0–100- Significance75How much this matters to a regular citizen
- Controversy40Intensity of disagreement among stakeholders
- Entertainment10Compellingness for a non-policy-wonk reader
- Buzz50Current news / social attention level
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