Health Insurance - Use of Artificial Intelligence - Human Evaluation
Impact
If passed, HB1385 will amend existing Maryland insurance laws to emphasize the necessity of human evaluations alongside AI determinations. This legislation intends to enhance patient safety by allowing professionals to question or override AI decisions that could adversely affect patient care. Regular audits will be instituted to review the performance of AI tools, ensuring they do not cause harm and are used ethically within the bounds of existing healthcare laws, including HIPAA regulations.
Summary
House Bill 1385 addresses the integration of artificial intelligence (AI) in healthcare, specifically relating to health insurance and the utilization review process. It mandates that audits and compliance reviews of AI tools, algorithms, or other software used in this context must include evaluations conducted by licensed healthcare professionals. This evaluation aims to ensure patient-specific circumstances are considered and that healthcare providers retain their roles in decision-making processes influenced by these AI systems.
Contention
While supporters of the bill argue that these requirements will safeguard patient interests and maintain the quality of care, there may be pushback from technology and insurance sectors concerned about the operational burden imposed by mandatory human evaluations. Critics could argue that such stipulations may slow down the utilization of AI in healthcare, potentially limiting the efficiency gains that these technologies promise. Discussions around the regulation of AI in health insurance could expose a rift between the desire for innovation and the essential need for human oversight.
Providing for artificial intelligence in facilities, for artificial intelligence use by insurers and for artificial intelligence use by MA or CHIP managed care plans; imposing duties on the Department of Health, the Insurance Department and the Department of Human Services; and imposing penalties.
Providing for artificial intelligence in facilities, for artificial intelligence use by insurers and for artificial intelligence use by MA or CHIP managed care plans; imposing duties on the Department of Health, the Insurance Department and the Department of Human Services; and imposing penalties.
Prescribes requirements and safeguards for the use of an artificial intelligence, algorithm, or other software tool for the purpose of utilization review for health and accident insurance.
Prescribes requirements and safeguards for the use of an artificial intelligence, algorithm, or other software tool for the purpose of utilization review for health and accident insurance.