A 2026 survey of US claims executives, published by Decerto last month, found that 71% of insurers using AI for claims decisioning still require human approval on any denial or material adjustment. The headlines about full automation outran the practice.
The findings are useful because they reset the conversation. AI is sorting, summarizing, drafting, and recommending. Humans are deciding. The carriers reporting the strongest results are the ones who built the human-in-the-loop layer with the same rigor they built the model layer. Bias monitoring, decision audit trails, and clear escalation criteria are what separate a credible AI program from a regulatory risk.
Atlas operates from the same premise inside its navigator and clinical workflow. AI helps triage faster and helps documentation land cleaner. The clinical judgment that determines a person's care path stays with a clinician. The accountability trail is built for an examiner, not just for a dashboard.
Decerto's claims decisioning framework is the most candid practitioner survey of the year so far.
If your AI vendor's demo skipped the human-in-the-loop architecture, what does that imply about your audit position?
Source: Decerto
Human-in-the-loop by design, not by afterthought.
Atlas built the human-in-the-loop layer with the same rigor as the model layer. Bias monitoring, decision audit trails, and clear escalation criteria are what separates a credible AI program from a regulatory risk.
See our services