H.R. 9396, Healthcare Transparency & Accountability. Quorum's AI analysis reads it as a net benefit — and names who gains.
H.R. 9396 · Net good
What it does
This bill requires health insurance plans and issuers to publicly disclose detailed data about their prior authorization practices starting in 2027, including approval/denial rates by service, appeal outcomes, decision times, and whether automated technology was used.
The analysis names health insurance plans with low denial rates (competitive advantage) — and 2 more groups — among the beneficiaries.
The trade-off
Disclosure of AI/machine-learning use in denials may expose algorithmic bias in coverage decisions, potentially triggering regulatory or litigation pressure on insurers.
Transparency scores 75%, with a medium warning level and no detached riders.
Who is behind it
Filed by Craig Goldman.
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