SB 1097

As introduced: - Prohibits various insurer practices in denying health insurance claims, such as stalling reviews, allowing non-physicians to determine medical necessity, and step therapy. - Requires insurers to annually report on claim denial rates and to disclose when artificial intelligence is used in a claims decision, including an explanation of how the decision was reached. - Authorizes the Commissioner of Insurance to audit insurers with high claim denial rates and to impose a civil forfeiture of $10,000 per violation that results in a harmful delay in care.