Georgia SB 544 — Human Review Required for AI-Assisted Health Insurance Adverse Determinations
Georgia · Ga. SB 544 (2026), signed May 5, 2026, eff. Jan. 1, 2027
Georgia's SB 544, signed May 5, 2026 and effective January 1, 2027, lets health insurers use AI in the prior-authorization process to automate tasks and assist decision-making, but bars them from issuing an adverse determination (a denial) without the review and approval of a licensed health care provider. In short: AI can help, but a licensed human has to sign off before your care is denied.
Technical detail
Georgia SB 544 (2026) permits health insurers to use AI in prior authorization to automate tasks, reduce administrative burden, and participate in decision-making, while prohibiting insurers from using AI to issue adverse determinations without review and approval by a licensed health care provider. Effective January 1, 2027.
Who is protected: Georgia health-plan enrollees subject to prior authorization / utilization review
Who must comply: Health insurers operating in Georgia that use AI in utilization review
Key facts
| Jurisdiction | Georgia |
|---|---|
| Level | State |
| Status | Enacted (not yet in effect) |
| Protection strength | Moderate protection |
| Effective date | 2027-01-01 |
| Enacted | 2026-05-05 |
| Citation | Ga. SB 544 (2026), signed May 5, 2026, eff. Jan. 1, 2027 |
| Enforced by | Georgia Office of Commissioner of Insurance and Safety Fire |
| Topics | healthcare AI · insurance AI · automated decision-making |
| Last verified | 2026-06-29 |
| Official source | States Continue Efforts to Regulate AI in Healthcare: A Review of Legislation Passed in 2026 — Holland & Knight ↗ |
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)
- SB 444 (GA AI Insurance Review) · Enacted (not yet in effect)
Related healthcare AI rules elsewhere
- Missouri AI Therapy Chatbot Ban (SB 1019) · Enacted (not yet in effect)
- PA v. Character.AI (Fake Psychiatrist Chatbot) · Blocked / in litigation
- RI Therapy Chatbot Ban (2026) · In effect
- RI AI Companion Self-Harm Safety (2026) · In effect
- Indiana HB 1271 (AI claims downcoding) · In effect
- Utah SB 319 (health insurer AI) · Enacted (not yet in effect)
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