H.R. 10024, Insurance Transparency & Accountability Mandate. Quorum's AI analysis reads it as a net benefit — and names who gains.
H.R. 10024 · Net good
What it does
This bill requires health insurance companies and Medicare Advantage plans to publicly disclose detailed data about how often they deny coverage requests, approve them, and reverse denials on appeal. Insurers must report this information annually, broken down by type of request, reason for denial, whether AI or humans made the decision, and how long decisions took. The goal is to give patients and the public transparency into insurance denial practices so they can see which insurers deny coverage most often and why.
The analysis did not isolate a single beneficiary class.
The trade-off
Disclosure of AI/algorithmic decision-making may expose insurers to litigation or regulatory scrutiny if patterns suggest discriminatory outcomes, even if unintentional.
Transparency scores 85%, with a medium warning level and no provisions unrelated to the bill's subject.
Who is behind it
Filed by Ashley Hinson.