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
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.
Technical 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.
Who is protected: Enrollees subject to carrier adverse coverage decisions, including those involving automated tools.
Who must comply: Health insurance carriers operating in Maryland.
Key facts
| Jurisdiction | Maryland |
|---|---|
| Level | State |
| Status | In effect |
| Protection strength | Limited protection |
| Effective date | 2026-06-01 |
| Enacted | 2026-04-28 |
| Citation | 2026 Md. Laws ch. 165 (HB 1563); Md. Code, Ins. 15-10A-06 |
| Enforced by | Maryland Insurance Administration / Maryland Insurance Commissioner. |
| 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 |
| Last verified | 2026-07-22 |
| Official source | Maryland General Assembly — HB 1563 (2026), Chapter 165 ↗ |
More AI rules in Maryland
- MD HB 1339 (Automated Decision Systems, 2026) · Enacted (not yet in effect)
- Maryland Online Data Privacy Act · In effect
- MD NCII Deepfake Law · In effect
- Maryland CSAM Law (computer-generated images) · In effect
- Maryland AI Governance Act (2024) · In effect
- Maryland HB 820 (AI in insurance utilization review) · 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
- Georgia SB 544 (health insurer AI) · Enacted (not yet in effect)
- Indiana HB 1271 (AI claims downcoding) · In effect
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