The Health Insurer AI Audit
An audit of the eight largest U.S. health insurers reveals their AI disclosure practices, highlighting a significant gap between investor-facing and member-facing transparency. The report analyzes disclosure scores based on 10-K filings, annual reports, member benefit documents, and regulatory filings, among other sources. It identifies key findings, including that disclosure often follows litigation rather than regulation, and integrated payer-provider models show greater transparency. The audit also points out the consistent absence of AI disclosure in member appeal processes. The article concludes by emphasizing the coming shift towards more specific AI disclosure driven by legislation, regulation, and litigation, suggesting that proactive transparency will be a strategic advantage for insurers.