Georgia SB 444: No Insurance Coverage Denials Based Solely on AI
Georgia · Ga. SB 444 (2026), sponsored by Sen. Kay Kirkpatrick
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.
Technical 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.
Who is protected: Georgia health-insurance policyholders and patients
Who must comply: Health insurers and private review agents operating in Georgia
Key facts
| Jurisdiction | Georgia |
|---|---|
| Level | State |
| Status | Enacted (not yet in effect) |
| Protection strength | Limited protection |
| Effective date | 2027-01-01 |
| Enacted | 2026-05-11 |
| Citation | Ga. SB 444 (2026), sponsored by Sen. Kay Kirkpatrick |
| Enforced by | Georgia Office of Commissioner of Insurance and Safety Fire |
| Private right of action | No — agency enforcement only |
| Topics | insurance AI · healthcare AI · automated decision-making |
| Last verified | 2026-07-02 |
| Official source | Georgia SB444 | 2025-2026 | Regular Session — LegiScan ↗ |
More AI rules in Georgia
- Georgia SB 544 (health insurer AI) · Enacted (not yet in effect)
- 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)
Related insurance AI rules elsewhere
- Indiana HB 1271 (AI claims downcoding) · In effect
- Utah SB 319 (health insurer AI) · Enacted (not yet in effect)
- 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
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