We're digging into how AI can deny your insurance claims. AUA!

Hey, Reddit! I'm Anne Geggis, health care and aging reporter at the USA TODAY Network-Florida (u/USATODAYNetwork-FL; Proof). Joining me is Florida State University Professor Evan Saltzman, (u/USATODAYNetwork-FL; Proof), who specializes in insurance markets.

For weeks, we’ve been digging into how AI can deny your insurance claims. Here's what we found: In 22 states — including Florida — there are zero specific rules governing how AI can deny your insurance claim. Medical procedures. Nursing home stays. Roof repairs. A machine makes the call, and in most of those states, nobody has to tell you that’s what happened.

We’ll be hosting an AMA on Thursday, April 9 starting at noon ET to talk about our reporting. Until then, here’s a little more about us, what else we learned, and what we hope to learn from you:

First, a little about us:

  • Evan Saltzman is a Florida State University professor in the Department of Risk Management/Insurance, Real Estate and Legal Studies. Insurance is his specialized field of interest.
  • Anne Geggis is a USA TODAY Network-Florida reporter. She has written for newspapers for more than 30 years, specifically about health affairs and insurance for about a decade.

And a couple more highlights from our investigation:

  • A Florida bill that would have required a human signature on any AI-generated denial passed the House with bipartisan support. It died in the Senate after insurance industry lobbying. President Trump's executive order calls for no state-level AI regulation at all, though insurance has historically been state-regulated territory.
  • We've also been tracking a class-action lawsuit against UnitedHealth alleging its algorithm denied nursing home care to Medicare Advantage patients. People died. That case is moving.

We want to hear from you:

  • Got denied and never knew why? Tell us.
  • Work inside the industry and have seen this from the other side? We really want to hear from you.
  • Just want to know what's coming? Ask.

Bring us your questions and we’ll begin answering at noon ET on Thursday. Two humans. Two keyboards. Let's go.

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