Arizona’s Groundbreaking Law: Safeguarding Health Insurance Decisions from AI Bias

On Wednesday, Arizona Governor Katie Hobbs signed HB 2175, a new law that changes how medical insurance denials are handled. This law ensures that any claims denied for medical necessity must be reviewed by a licensed professional.

“Doctors know what their patients need. Insurance companies should not block that,” Hobbs’ office stated. The law mandates that a medical director must assess these denials using independent judgment, rather than relying on automated recommendations.

Concerns about artificial intelligence (AI) in healthcare are rising. According to a survey by the American Medical Association, 61% of doctors worry that AI could increase unnecessary denials, which could harm patients. Dr. Sarah Lee-Davisson, a leader at the Arizona Medical Association, stressed the importance of human oversight in patient care. She noted the delays that could arise when decisions are made based solely on algorithms.

The new law takes effect at the end of June. It received overwhelming support, and only one representative voted against it. This illustrates a shared commitment to enhance patient care in Arizona.

Interestingly, it’s not just Arizona feeling the impact of AI in healthcare. Nationwide data shows that AI is being rapidly adopted, with estimates indicating that the AI health market could reach over $200 billion by 2026. While AI offers efficiencies, experts warn that its use in healthcare should always prioritize patient welfare above all else.

Insurance companies can be complicated to navigate. If you find your claim denied—whether by AI or a human—there is a process to appeal. Start by asking why your claim was denied. Then, file an appeal with your insurer. For additional assistance, you can appeal through the Arizona Department of Insurance and Financial Institutions.

This law represents an important step toward giving patients and their doctors a greater voice in healthcare decisions, moving away from reliance on technology alone.

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