CS/SB 794: Mandatory Human Reviews of Insurance Claim Denials
GENERAL BILL by Banking and Insurance ; Bradley
Mandatory Human Reviews of Insurance Claim Denials; Requiring that insurers’ decisions to deny claims or any portion of a claim be made by qualified human professionals; prohibiting using algorithms, artificial intelligence, or machine learning systems as the sole basis for determining whether to adjust or deny a claim; requiring insurers to include certain information in denial communications to claimants, etc.
Effective Date: 1/1/2026
Last Action: 6/16/2025 Senate - Died in Appropriations Committee on Agriculture, Environment, and General Government
Bill Text: Web Page | PDF
Last Action: 6/16/2025 Senate - Died in Appropriations Committee on Agriculture, Environment, and General Government
Bill Text: Web Page | PDF
Senate Committee References:
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Bill History
Date Chamber Action 2/18/2025 Senate • Filed
2/28/2025 Senate • Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Rules
3/4/2025 Senate • Introduced
3/20/2025 Senate • On Committee agenda-- Banking and Insurance, 03/25/25, 8:30 am, 412 Knott Building
3/25/2025 Senate • CS by Banking and Insurance; YEAS 9 NAYS 0
3/26/2025 Senate • Pending reference review under Rule 4.7(2) - (Committee Substitute)
• Now in Appropriations Committee on Agriculture, Environment, and General Government
• CS by Banking and Insurance read 1st time
5/3/2025 Senate • Indefinitely postponed and withdrawn from consideration
6/16/2025 Senate • Died in Appropriations Committee on Agriculture, Environment, and General Government
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CS/SB 794, Committee Substitute 1 (Current Bill Version) Posted 3/26/2025 at 9:25 AM
Bill Text: Web Page | PDF Analyses: None Related Bills (3)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills H 1433 (c1) Hurricane Mitigation Grants and Insurers' Regulations Insurance & Banking Subcommittee Compare Last Action: 6/16/2025 H Died in Commerce Committee 
H 1555 Insurers' Liabilities and Responsibilities Cassel Compare Last Action: 6/16/2025 H Died in Insurance & Banking Subcommittee
S 1740 (c1) Insurance Ingoglia Compare Last Action: 6/16/2025 S Died in Appropriations Committee on Agriculture, Environment, and General Government
Citations - Statutes (1)
Citation Catchline Location in Bill Location In Bill Help 627.4263 Page 1 (pdf) -
SB 794, Original Filed Version Posted 2/18/2025 at 8:19 AM
Bill Text: Web Page | PDF Analyses: Banking and Insurance (Pre-Meeting) 3/24/2025 (pdf)
Banking and Insurance (Post-Meeting) 3/26/2025 (pdf)
Related Bills (2)
Bill Number Subject Filed By Relationship Last Action and Location Track Bills H 1555 Insurers' Liabilities and Responsibilities Cassel Compare Last Action: 6/16/2025 H Died in Insurance & Banking Subcommittee
S 1740 (c1) Insurance Ingoglia Compare Last Action: 6/16/2025 S Died in Appropriations Committee on Agriculture, Environment, and General Government
Committee Amendments (1)
Amendment Sponsor Filed Last Committee Action Format 861188 - Amendment (Delete All)
Delete everything after the enacting clause and insert:Banking and Insurance
(Bradley)3/25/2025
7:48 AM
(Late Filed)Replaced by Committee Substitute
3/25/2025Web Page
PDFCommittee Votes (1)
Date Committee Result 3/25/2025 8:30 AM Banking and Insurance 9 Yeas - 0 Nays Citations - Statutes (1)
Citation Catchline Location in Bill Location In Bill Help 627.4263 Page 1 (pdf)