Lokken v. UnitedHealth (nH Predict)
Lokken v. UnitedHealth Group — nH Predict AI Medicare Advantage Class Action (D. Minn.)
D. Minn. · Estate of Lokken v. UnitedHealth Group, Inc., No. 0:23-cv-03514 (D. Minn.)
- Status
- Blocked / in litigation
- Took effect
- November 14, 2023
- Applies to
- UnitedHealth Group, Inc., UnitedHealthcare, NaviHealth Inc.
Families of deceased Medicare Advantage patients sued UnitedHealth in November 2023 over the 'nH Predict' algorithm, alleging the AI tool overrode physicians and prematurely terminated post-acute care coverage with an error rate above 90 percent in appeals — accelerating patient harms and deaths. On March 9, 2026, the court issued a significant discovery order compelling UnitedHealth to produce broad documentation of the nH Predict algorithm, including training data, model documentation, and internal performance audits.
Who is protected: Medicare Advantage members subject to algorithmic post-acute-care coverage decisions
Legal detail
Estate of Lokken v. UnitedHealth Group, Inc., No. 0:23-cv-03514 (D. Minn., filed Nov. 14, 2023; Judge Wilhelmina Wright). Claims: breach of contract, breach of duty of good faith, insurance bad faith, unjust enrichment, declaratory relief; ties to NaviHealth subsidiary's deployment of nH Predict. Motion to dismiss partially granted Feb. 2024; surviving claims in discovery. March 9, 2026 court order: Judge Wright granted plaintiffs' motion to compel, ordering UnitedHealth to produce nH Predict algorithm training data, model documentation, internal validation and performance reports, and communications regarding the algorithm's development and deployment in Medicare Advantage claims processing. Discovery order seen as a potential template for algorithmic-accountability discovery in healthcare AI litigation.
Key facts
| Jurisdiction | D. Minn. |
|---|---|
| Level | Federal |
| Citation | Estate of Lokken v. UnitedHealth Group, Inc., No. 0:23-cv-03514 (D. Minn.) |
| Topics | healthcare AI · automated decision-making |
| Court record | Estate of Lokken v. UnitedHealth — CourtListener 0:23-cv-03514 |
Related healthcare AI rules elsewhere
- Missouri AI Therapy Chatbot Ban (SB 1019) · 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) · Enacted (not yet in effect)
- California AB 489 (AI healthcare chatbot misrepresentation ban) · In effect
- AZ HB 2175 (AI Insurance Denial — Physician Review) · In effect
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