Artificial Intelligence is transforming industries, and health insurance is no exception. While AI promises efficiency in processing claims, it raises concerns over fairness and bias in decision-making. Critics argue that these systems can inadvertently perpetuate inequalities, denying claims without human oversight. As AI becomes an integral tool in healthcare, regulation like California’s SB 1120, ensuring human intervention, becomes crucial to protect patient rights and ensure equitable healthcare access. This article delves into the complexities of AI-driven decisions in health insurance and the essential balance between innovation and ethics.