SB 444 (GA AI Insurance Review)
Georgia SB 444: No Insurance Coverage Denials Based Solely on AI
Georgia · Ga. SB 444 (2026), sponsored by Sen. Kay Kirkpatrick
- Status
- Enacted (not yet in effect)
- Takes effect
- January 1, 2027
- Applies to
- Health insurers and private review agents operating in Georgia
- Enforced by
- Georgia Office of Commissioner of Insurance and Safety Fire
Health insurers in Georgia can't let AI alone decide your coverage. Decisions about insurance coverage for healthcare services cannot be based solely on AI systems or software tools — a qualified human reviewer must be part of every coverage determination, especially before denying treatment. Effective January 1, 2027.
Who is protected: Georgia health-insurance policyholders and patients
Legal detail
SB 444 (2025-2026 Reg. Sess.; signed May 2026; effective Jan. 1, 2027) amends Georgia's private review agent provisions to prohibit insurance coverage determinations for healthcare services from being based solely on artificial intelligence systems or software tools, requiring qualified human review in the decision process.
Key facts
| Jurisdiction | Georgia |
|---|---|
| Level | State |
| Strength | Limited |
| Enacted | May 11, 2026 |
| Citation | Ga. SB 444 (2026), sponsored by Sen. Kay Kirkpatrick |
| Private right of action | No, agency enforcement only |
| Topics | insurance AI · healthcare AI · automated decision-making |
| Legal analysis | Georgia SB444 | 2025-2026 | Regular Session — LegiScan |
More AI rules in Georgia
- GA Data Center Tax Break Fight · Vetoed
- GA SB 219 (2017 AV statute) · In effect
- GA Synthetic NCII Transmission Law · In effect
- GA SB 466 (no 'it's AI' defense for CSAM) · In effect
- SB 540 (GA Chatbot Safety) · Enacted (not yet in effect)
- Generative AI Responsible Use (SS-25-001) · In effect
Related insurance AI rules elsewhere
- NYDFS CL 7 (2024) — Insurance AI Anti-Discrimination · In effect
- NAIC AI Evaluation Tool Pilot (12 states, 2026) · Proposed / pending
- AZ HB 2175 (AI Insurance Denial — Physician Review) · In effect
- TX TDI Bulletin B-0003-26 (AI in insurance) · In effect
- Illinois SB 3114 — Transparency in Downcoding Act · Enacted (not yet in effect)
- PA AG — GEICO AI Underwriting Settlement · In effect
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