Health insurers are increasingly employing artificial intelligence (AI) to further automate labor-intensive tasks and increase alignment with patients and providers. This includes identifying fraud, waste and abuse, streamlining prior authorization and adjudication of claims, improving lines of communication with patient and provider, and designing value-based care models including tools for prevention. Payor investment into AI is a consideration not only to those with a direct stake in payors and the vendors which serve them, but to those invested in provider organizations which payor impacts may touch. Target analysis in this environment requires not only an understanding of payor applications, market and both federal and state regulatory and legislative trends, but a clear grasp on billing and coding. Herein we address key areas of AI innovation by payors and the potential impacts on providers.