Lokken v. UnitedHealth Group — nH Predict AI Medicare Advantage Class Action (D. Minn.)
D. Minn. · Estate of Lokken v. UnitedHealth Group, Inc., No. 0:23-cv-03514 (D. Minn.)
Families of deceased Medicare Advantage patients sued UnitedHealth in November 2023 over the 'nH Predict' algorithm, alleging the AI tool overrode physicians and prematurely terminated post-acute care coverage with an error rate above 90 percent in appeals — accelerating patient harms and deaths.
Technical detail
Estate of Lokken v. UnitedHealth Group, Inc., No. 0:23-cv-03514 (D. Minn., filed Nov. 14, 2023; Judge John R. Tunheim). Claims: breach of contract, breach of duty of good faith, insurance bad faith, unjust enrichment, declaratory relief; ties to NaviHealth subsidiary's deployment of nH Predict. Motion to dismiss partially granted Feb. 2024; surviving claims in discovery.
Who is protected: Medicare Advantage members subject to algorithmic post-acute-care coverage decisions
Who must comply: UnitedHealth Group, Inc., UnitedHealthcare, NaviHealth Inc.
Key facts
| Jurisdiction | D. Minn. |
|---|---|
| Level | Federal |
| Status | Blocked / in litigation |
| Protection strength | Moderate protection |
| Effective date | 2023-11-14 |
| Citation | Estate of Lokken v. UnitedHealth Group, Inc., No. 0:23-cv-03514 (D. Minn.) |
| Topics | healthcare AI · automated decision-making |
| Last verified | 2026-06-17 |
| Official source | Estate of Lokken v. UnitedHealth — CourtListener 0:23-cv-03514 ↗ |
Related healthcare AI rules elsewhere
- ACA § 1557 (AI in patient care) · In effect
- FDA AI/ML SaMD Action Plan · In effect
- FDA GMLP Principles · In effect
- Colorado AI Act (repealed) · Repealed / replaced
- SB 26-189 (Colorado ADMT Law) · Enacted (not yet in effect)
- AI Companion Safeguards Law · In effect
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