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.)
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.
Technical 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.
Who is protected: Medicare Advantage members subject to algorithmic post-acute-care coverage decisions
Who must comply: UnitedHealth Group, Inc., UnitedHealthcare, NaviHealth Inc.
Key facts
| Jurisdiction | D. Minn. |
|---|---|
| Level | Federal |
| Status | Blocked / in litigation |
| Protection strength | Moderate protection |
| Effective date | 2023-11-14 |
| Citation | Estate of Lokken v. UnitedHealth Group, Inc., No. 0:23-cv-03514 (D. Minn.) |
| Topics | healthcare AI · automated decision-making |
| Last verified | 2026-08-05 |
| Official source | Estate of Lokken v. UnitedHealth — CourtListener 0:23-cv-03514 ↗ |
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
- Georgia SB 544 (health insurer AI) · Enacted (not yet in effect)
- Indiana HB 1271 (AI claims downcoding) · In effect
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