Alabama: starting October 1, AI can't be the one denying coverage — a clinician must decide
Alabama's new law (signed April 17, 2026, effective October 1, 2026) says a health insurer can't rely only on AI to decide whether care gets covered — any decision to deny or reduce coverage has to be made by a qualified healthcare professional. Insurers must also tell enrollees that AI is used in coverage decisions, base prior-auth determinations on the individual patient's medical history rather than group data alone, and certify annually to the state that their AI is monitored for accuracy and doesn't discriminate. If you're in Alabama, this is leverage: after October 1, an AI-only denial is something you can push back on by law.
Primary source: SB 63 — alison.legislature.state.al.us