Who at a insurance company should track these rules?

Insurance Chief Compliance Officer, GC, or appointed actuary is typically the role accountable for insurance-AI compliance. AIGI is designed to put primary-source updates in front of this role daily.

How many insurance AI items does AIGI track?

AIGI currently tracks 115 primary-source items where insurance appears as an affected industry, spanning 8+ jurisdictions. The corpus is updated continuously.

Which jurisdictions are most active on insurance AI?

Activity varies by sub-sector. AIGI's coverage map shows per-jurisdiction depth, and each item links to its primary authority source. See /coverage for the live distribution.

Where do AIGI's insurance citations come from?

Every item on this page links to its primary government, regulator, or research source. AIGI does not paraphrase secondary commentary — our citation methodology is documented at /how-we-cite.

Industry · AI underwriting bias, claims-AI fairness, and state insurance-AI rules

AI Compliance for Insurance

AI in insurance touches NAIC AI model bulletins, state insurance department AI rules (Colorado SB21-169, NY Circular Letter 7, etc.), AI underwriting fairness obligations, AI claims-handling disclosure, and the EU AI Act's high-risk classification of insurance AI. AIGI tracks every primary-source AI rule for life, health, P&C, and reinsurance. As of the most recent update, AIGI tracks 115 primary-source items affecting insurance.

Who tracks this?

Typically: Insurance Chief Compliance Officer, GC, or appointed actuary. AIGI is built to put primary-source AI updates affecting insurance in front of this role daily — with citation chains, status timelines, and obligation mapping.

Coverage at a glance

Items tracked: 115
Jurisdictions: 8
Last update: —

Most active jurisdictions for insurance AI

Recent insurance AI activity

IA legislation enacted

[IA Legislature] HF 2635

Iowa's HF 2635 prohibits the use of AI as the sole basis for denying, delaying, or downgrading healthcare prior authorization requests based on medical necessity and establishes new audit standards for utilization review organizations, effective January 1, 2027.

Authority: Iowa Legislature
IA legislation enacted

[IA Legislature] HF 2635

Iowa House File 2635 prohibits healthcare utilization review organizations from using AI as the sole basis to deny, delay, or downgrade prior authorization requests based on medical necessity, and sets standards for audits and health carrier conduct.

Authority: Iowa Legislature
IA legislation introduced

[IA Legislature] SF 2226

Iowa Senate File 2226 proposes to regulate the use of automated adjudication systems, including AI and machine learning, by health carriers for processing healthcare claims, requiring human oversight and specific disclosures.

Authority: Iowa Legislature
IA legislation introduced

[IA Legislature] SF 2226

Iowa Senate File 2226 proposes restrictions on health carriers' use of automated adjudication systems, including AI/ML, requiring human review for claims denials/downcoding and mandating specific disclosures and appeal processes.

Authority: Iowa Legislature
IA legislation introduced

[IA Legislature] SF 562

Iowa bill SF 562 introduces regulations for health carriers using AI or algorithms for utilization review, mandating human oversight for medical necessity decisions, non-discrimination, transparency, and periodic review.

Authority: Iowa Legislature
IA legislation introduced

[IA Legislature] HF 2635

Iowa House File 2635 proposes to restrict the use of AI in healthcare prior authorization decisions, prohibiting its use as the sole basis for denying, delaying, or downgrading requests based on medical necessity.

Authority: Iowa Legislature
CA legislation floor vote 5/21/2026

[CA Legislature] Sen. Check-in Session

A legislative check-in session from the California Senate lists over 300 bills, including measures on false advertising using synthetic digital performers and consumer privacy requests, primarily in Third Reading status as of May 21, 2026.

Authority: California Legislature
CO legislation floor vote 5/1/2026

[CO Legislature] SB26-189Automated Decision-Making Technology

Colorado SB26-189 repeals and reenacts prior AI consumer protection laws, imposing new requirements on developers and deployers of automated decision-making technology (ADMT) in consequential decisions, including transparency, human review rights, and data access, effective January 1, 2027.

Authority: Colorado Legislature
FR agency report 5/5/2026

[CNIL] IA conversationnelle et santé mentale des jeunes : résultats de l’enquête européenne

A European survey by CNIL and Groupe VYV reveals high conversational AI use among youth for mental health, posing data privacy and well-being risks, highlighting a need for better education and transparency.

Authority: CNIL
FR agency report 5/5/2026

[CNIL] IA conversationnelle et santé mentale des jeunes : résultats de l’enquête européenne

A European survey by Groupe VYV and CNIL reveals massive use of conversational AI by young people, including for intimate subjects, highlighting risks to well-being and data and calling for reinforced digital education and transparency.

Authority: CNIL
NJ legislation enacted 3/30/2023

[NJ Legislature] A5351 (2022-2023): Prohibits collection of biometric identifier information by public or private entity under certain circumstances.

Prohibits the collection of biometric identifier information by public or private entities under specific circumstances in New Jersey.

Authority: New Jersey Legislature
NY legislation introduced 5/15/2024

[NY Legislature] S9401 (2023-2024): Establishes the New York workforce stabilization act requiring certain businesses to conduct artificial intelligence impact assessments on t

Establishes the New York workforce stabilization act, mandating AI impact assessments and a surcharge on certain corporations utilizing AI.

Authority: New York Legislature

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Frequently asked questions

Which AI laws apply to insurance?: AI in insurance touches NAIC AI model bulletins, state insurance department AI rules (Colorado SB21-169, NY Circular Letter 7, etc.), AI underwriting fairness obligations, AI claims-handling disclosure, and the EU AI Act's high-risk classification of insurance AI. AIGI tracks every primary-source AI rule for life, health, P&C, and reinsurance.
Who at a insurance company should track these rules?: Insurance Chief Compliance Officer, GC, or appointed actuary is typically the role accountable for insurance-AI compliance. AIGI is designed to put primary-source updates in front of this role daily.
How many insurance AI items does AIGI track?: AIGI currently tracks 115 primary-source items where insurance appears as an affected industry, spanning 8+ jurisdictions. The corpus is updated continuously.
Which jurisdictions are most active on insurance AI?: Activity varies by sub-sector. AIGI's coverage map shows per-jurisdiction depth, and each item links to its primary authority source. See /coverage for the live distribution.
Where do AIGI's insurance citations come from?: Every item on this page links to its primary government, regulator, or research source. AIGI does not paraphrase secondary commentary — our citation methodology is documented at /how-we-cite.

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Important — about this brief

This brief is published by AIGI as a regulatory intelligence service. It contains general information about AI laws, regulations, enforcement actions, and policy signals across jurisdictions. It is not legal, compliance, audit, or risk-management advice; it does not establish an attorney-client, advisory, or fiduciary relationship; and it should not be relied upon as a substitute for professional counsel applied to specific facts and circumstances. Where the brief identifies “Issues for Review,” those are observations of questions a reader in a particular role might raise with their own legal, compliance, or risk function — not recommendations to act. AIGI expressly disclaims liability for actions taken or not taken in reliance on this brief. Subscribers in regulated industries should consult licensed professionals authorized to practice in their jurisdiction.

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