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The terms disclose that AI-generated outputs may be inaccurate, incomplete, or contain hallucinations, and may not be reviewed by a human before delivery to users. Users are required to independently verify all AI outputs and are prohibited from relying on them without confirmation from a reputable source.
This analysis describes what Oscar Health's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision places responsibility for verifying AI-generated outputs on users and discloses the risk of hallucinations and inaccuracies in AI content. In a health insurance context where AI features may generate health-related information, this disclaimer is operationally significant and interacts with the broader medical information disclaimer in the document.
Under this clause, users of Oscar's AI-powered features are responsible for independently verifying any information generated by AI before relying on it, and the agreement states explicitly that AI outputs may contain hallucinations or inaccuracies. The Services disclaim any responsibility for AI output accuracy and prohibit reliance on AI-generated content without independent confirmation.
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"The output of AI Technology may be inaccurate, incomplete, and may not be reviewed by a human before being displayed to you. You are responsible for verifying the accuracy and completeness of any outputs resulting from AI Technology. AI Technology may be subject to additional terms, usage restrictions, access restrictions and age restrictions. YOU UNDERSTAND AND AGREE THAT ANY OUTPUT, CONTENT OR OTHER INFORMATION OBTAINED THROUGH USE OF THE SITE, OR THE SERVICES, SIMILAR TO USE OF OTHER AI TECHNOLOGY, IS SUSCEPTIBLE TO INACCURACIES AND INCOMPLETENESS, INCLUDING HALLUCINATIONS IN SOME INSTANCES. YOU MUST NOT RELY ON FACTUAL ASSERTIONS IN OUTPUT FROM THE SITE OR SERVICES WITHOUT VERIFICATION, AND YOU MUST NOT RELY ON ANY SUCH OUTPUT WITHOUT INDEPENDENT REVIEW AND CONFIRMATION FROM A REPUTABLE SOURCE.Excerpt from Oscar Health's Terms of Use
1. REGULATORY LANDSCAPE: AI-generated health content disclosures engage FTC guidelines on AI transparency and deceptive practices, as well as emerging state AI governance frameworks. Where AI outputs relate to health insurance benefits, coverage determinations, or drug information, additional regulatory requirements may apply under state insurance laws or HIPAA. The disclosure of hallucination risk in a health context may engage HHS OCR oversight depending on the nature of AI outputs. 2. GOVERNANCE EXPOSURE: High. The combination of AI-generated content in a health insurance digital service with a disclaimer placing verification responsibility on users creates significant governance exposure, particularly where users may act on inaccurate AI-generated health information. The absence of a mandatory human review step before AI output delivery is explicitly disclosed in the document. 3. JURISDICTION FLAGS: Certain states have enacted or proposed AI transparency and accountability laws that may impose disclosure or human oversight requirements for AI systems used in health-related contexts. The EU AI Act, while not directly applicable to US operations, establishes a framework for high-risk AI use in health and insurance contexts that may inform regulatory expectations. 4. CONTRACT AND VENDOR IMPLICATIONS: Legal teams should assess whether AI vendor agreements include indemnification or quality standards for outputs delivered to end users, particularly in health-related applications. The document's acknowledgment of hallucination risk may be relevant to representations made to regulators or in B2B contexts. 5. COMPLIANCE CONSIDERATIONS: Compliance teams should evaluate whether the AI output verification responsibility placed on users is consistent with applicable regulatory guidance for health-adjacent AI features. Documentation of AI model limitations and the absence of human review should be assessed against any applicable insurance regulatory requirements for AI-generated communications to members.
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This provision places responsibility for verifying AI-generated outputs on users and discloses the risk of hallucinations and inaccuracies in AI content. In a health insurance context where AI features may generate health-related information, this disclaimer is operationally significant and interacts with the broader medical information disclaimer in the document.
Under this clause, users of Oscar's AI-powered features are responsible for independently verifying any information generated by AI before relying on it, and the agreement states explicitly that AI outputs may contain hallucinations or inaccuracies. The Services disclaim any responsibility for AI output accuracy and prohibit reliance on AI-generated content without independent confirmation.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Oscar Health.