Florida Senate Bill S0202

Florida 2026 Regular Session

• Introduced: 10/15/25
• Refer: 11/3/25
• Failed: 3/13/26

Caption

Mandatory Human Reviews of Insurance Claim Denials

Impact

Upon passing, SB0202 would introduce significant changes to Florida's insurance regulatory framework. Insurers would be required to maintain detailed records regarding the decisions made by human professionals overseeing claims, including the documentation of their reasoning. Furthermore, the bill emphasizes accountability by requiring insurers to clearly identify the professionals involved in claims decisions within their denial communications. This act aims to strengthen consumer rights and ensure a fairer claims process, which many proponents believe will lead to better outcomes for policyholders.

Summary

SB0202, entitled 'Mandatory Human Reviews of Insurance Claim Denials', aims to reform the way insurance claims are processed by mandating that all decisions to deny a claim or any part of it must be made by qualified human professionals. This bill prohibits insurers from using algorithms, artificial intelligence, or machine learning systems as the sole basis for any decision regarding the adjustment or denial of an insurance claim. The implementation of this bill seeks to enhance oversight and ensure that claim denials are made based on thorough human analysis rather than automated processes.

Contention

Critics of SB0202 argue that while the intent of the bill is to protect consumers, it may generate delays in the claims process and increase operational costs for insurance companies. Some industry stakeholders express concerns that this legislation might over-regulate the use of AI and automation, which they argue can improve efficiency and accuracy in claims processing. Thus, there is an ongoing debate about finding the right balance between ensuring human oversight and leveraging technology in the insurance landscape.