Maryland HB 1563 (AI-denial reporting)
Maryland Emergency Room Services and Post-Acute Care — Coverage and Facility Studies (HB 1563)
Maryland · 2026 Md. Laws ch. 165 (HB 1563); Md. Code, Ins. 15-10A-06
- Status
- In effect
- Took effect
- June 1, 2026
- Applies to
- Health insurance carriers operating in Maryland.
- Enforced by
- Maryland Insurance Administration / Maryland Insurance Commissioner.
Among other emergency-room and post-acute care provisions, this law expands the quarterly report that carriers must submit to the Maryland Insurance Commissioner. The report must include the number of adverse decisions and whether an artificial intelligence, algorithm, or other software tool was used in making them. The Commissioner may use this information as a basis for examining the carrier.
Who is protected: Enrollees subject to carrier adverse coverage decisions, including those involving automated tools.
Legal detail
2026 Md. Laws ch. 165 (HB 1563) amends Md. Code, Ins. 15-10A-06 to require carriers' quarterly reports to identify adverse decisions and whether AI, an algorithm, or other software tool was used, usable as a basis for examination.
Key facts
| Jurisdiction | Maryland |
|---|---|
| Level | State |
| Strength | Limited |
| Enacted | April 28, 2026 |
| Citation | 2026 Md. Laws ch. 165 (HB 1563); Md. Code, Ins. 15-10A-06 |
| Private right of action | No, agency enforcement only |
| Penalties | No standalone fine; the reported information may be used as the basis for an examination of the carrier under the Insurance Article. |
| Topics | healthcare AI · insurance AI · automated decision-making · AI disclosure and transparency |
| Bill text | Maryland General Assembly — HB 1563 (2026), Chapter 165 |
More AI rules in Maryland
- MD HB 1339 (Automated Decision Systems, 2026) · In effect
- Maryland AI Ready Schools Act, SB 720 (2026) · In effect
- Maryland EO 01.01.2026.16 data center framework (2026) · In effect
- Maryland Online Data Privacy Act · In effect
- MD NCII Deepfake Law · In effect
- Maryland CSAM Law (computer-generated images) · In effect
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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