InsureAI Wire: insurance AI regulation news, guides and the dates that are due

Due next

Every jurisdiction

Today Wednesday, Nov 11, 2026

  1. 5 days

    Fall National Meeting session on the Supplement

    NAIC. The August 31 meeting packet timeline puts version 7.0 up for adoption here.

  2. 51 days

    Utah SB 319 takes effect

    Utah. Laws of Utah 2026, Chapter 240: AI disclosure and independent medical judgment in preauthorization.

  3. 20 months

    California SB 354 becomes operative

    California. The rewritten insurance privacy act counts AI systems that can output personal information.

Verified Nov 6, 2026. Each date links to the document that set it.

The latest guide

All guides

Do Insurers Have to Tell Consumers They Use AI?

Few laws make insurers disclose AI use itself; most notices come from adverse-decision rules that apply whatever tool decided.

By Simon Li · Nov 4, 2026 · 12 min read

New here? Read in this order

  1. Where to Begin

    Insurance is regulated state by state, and almost nothing about AI there is written in an AI law. Start with how the machine works.

  2. AI Governance in Insurance

    NAIC guidance, state laws, and federal moves, plus how to build a program that meets them.

  3. AI Use Cases by Business Line

    How AI is used across claims, underwriting, and pricing, plus what regulators expect.

Latest on the Wire

Every dispatch

Editor's picks

Elsewhere

Updated November 10, 2026

Story by story on the Elsewhere page

Outside reporting on insurance AI, picked by the editor, newest first.

  1. After Cozen O'Connor

    Cozen O'Connor · Law firm ·

    Claims Notes: October 2026 (opens the original in a new tab)

    Our read: Cozen counts 29 jurisdictions on the NAIC model bulletin; our State Tracker, checked against the NAIC map stamped October 8, counts 28: 27 states and DC.

    Our coverage The State Tracker

  2. Crowell & Moring · Law firm ·

    Proposed AI Governance Framework: Risk-Mitigation Recommendations for Health Plans (opens the original in a new tab)

    Our read: Crowell says Senator Cantwell's proposed framework, with federal risk standards, independent audits and developer liability, could reach AI tools health plans use in utilization management if enacted, and that it calls out AI-assisted prior authorization, including CMS's WISeR model, as needing meaningful human oversight.

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State by state

adopted the NAIC AI model bulletin (27 states and DC)
28
wrote their own rules: California, Colorado, New York and Texas
4
have issued nothing yet
19

As of November 3, 2026, with the primary source for every row.

Open the State Tracker

From the glossary

All 87 terms
Accelerated Underwriting
A life insurance underwriting process that uses external data and predictive models to classify applicants without medical exams or fluid tests.
Exhibit A
The first exhibit of the NAIC AI Systems Evaluation Tool: a count of how many AI systems an insurer runs in each operational area, and what they are used for.
NAIC
The National Association of Insurance Commissioners, the U.S. standard-setting and coordination body for state insurance regulators.

Weekly in your inbox

Each issue takes one insurance AI regulation story that matters, plus the week's NAIC, state and federal moves in brief.

Earlier issues

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