Illinois SB 1425: AI USE IN HEALTH INSURANCE ACT

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104TH GENERAL ASSEMBLY 
State of Illinois 
2025 and 2026
SB1425

Introduced 1/31/2025, by Sen. Laura Fine 

SYNOPSIS AS INTRODUCED:

New Act

5 ILCS 100/5-45.65 new

 Creates the Artificial Intelligence Systems Use in Health Insurance Act. Provides that the Department of Insurance's regulatory oversight of insurers includes oversight of an insurer's use of AI systems to make or support adverse determinations that affect consumers. Provides that any insurer authorized to operate in the State is subject to review by the Department in an investigation or market conduct action regarding the development, implementation, and use of AI systems or predictive models and the outcomes from the use of those AI systems or predictive models. Provides that an insurer authorized to do business in Illinois shall not issue an adverse consumer outcome with regard to the denial, reduction, or termination of insurance plans or benefits that result solely from the use or application of any AI system or predictive model. Provides that any decision-making process for the denial, reduction, or termination of insurance plans or benefits that results from the use of AI systems or predictive models shall be meaningfully reviewed, in accordance with review procedures determined by Department rules, by an individual with authority to override the AI systems and determinations. Authorizes the Department to adopt emergency rules to implement the Act and to adopt rules concerning standards for full and fair disclosure of an insurer's use of AI systems. Makes a conforming change in the Illinois Administrative Procedure Act.

LRB104 09339 BDA 19397 b

A BILL FOR

SB1425LRB104 09339 BDA 19397 b

1 AN ACT concerning regulation.

2 Be it enacted by the People of the Sta