AB 1128

As introduced: - Creates the Office of the Public Intervenor within the Office of the Commissioner of Insurance to assist individuals with health insurance claims and appeals. - Prohibits health insurers from engaging in various claims denial practices, such as allowing non-physician personnel to determine medical necessity or requiring an insured to fail a cheaper treatment before approving necessary care. - Requires insurers to provide a detailed explanation for any claim denial and to disclose the use of artificial intelligence in claims processing, including an explanation of how the AI reached its decision. - Mandates that insurers annually publish reports on their claim denial rates and use of artificial intelligence, and directs the commissioner of insurance to maintain a public database of these rates. - Authorizes the commissioner of insurance to audit insurers with high claim denial rates and to impose corrective action plans and civil forfeitures for violations.