Arizona insurance AI regulation

Arizona has not adopted the NAIC model bulletin. It has enacted HB 2175 (57th Legislature, 1st Regular Session), Chapter 165, effective 2026-06-30.

Details

Jurisdiction	Arizona (AZ)
NAIC model bulletin	Not adopted
Source	Implementation of NAIC Model Bulletin: Use of AI Systems by Insurers, as of 2026-08-06

Other AI-related insurance activity

Measure	Status
HB 2175 (57th Legislature, 1st Regular Session), Chapter 165 Adds A.R.S. 20-3103 and 20-3407. Before a health care insurer may issue a direct denial of a prior authorization involving medical necessity, the medical director must individually review the denial, exercise independent medical judgment, and may not rely solely on recommendations from any other source. THE MEDICAL DIRECTOR SHALL INDIVIDUALLY REVIEW THE DENIAL. DURING EACH INDIVIDUAL REVIEW, THE MEDICAL DIRECTOR SHALL EXERCISE INDEPENDENT MEDICAL JUDGMENT AND MAY NOT RELY SOLELY ON RECOMMENDATIONS FROM ANY OTHER SOURCE. Correction: Previously recorded as a 2026 law. It is 57th Legislature 1st Regular Session, signed 2025-05-12. source	enacted, effective 2026-06-30 ✓ verified against the source text

Measure

Status

HB 2175 (57th Legislature, 1st Regular Session), Chapter 165
Adds A.R.S. 20-3103 and 20-3407. Before a health care insurer may issue a direct denial of a prior authorization involving medical necessity, the medical director must individually review the denial, exercise independent medical judgment, and may not rely solely on recommendations from any other source.

THE MEDICAL DIRECTOR SHALL INDIVIDUALLY REVIEW THE DENIAL. DURING EACH INDIVIDUAL REVIEW, THE MEDICAL DIRECTOR SHALL EXERCISE INDEPENDENT MEDICAL JUDGMENT AND MAY NOT RELY SOLELY ON RECOMMENDATIONS FROM ANY OTHER SOURCE.

Correction: Previously recorded as a 2026 law. It is 57th Legislature 1st Regular Session, signed 2025-05-12.
source

enacted, effective 2026-06-30
✓ verified against the source text

Context

Of 51 tracked US jurisdictions, 25 have adopted the NAIC model bulletin, 4 run their own insurance-specific AI framework (California, Colorado, New York and Texas), and 22 have not adopted it but have other tracked AI-related insurance activity. The bulletin restates that existing unfair trade practice and unfair discrimination law applies to AI-driven decisions; it does not create new statutory obligations.

Two tracks. Insurance AI regulation runs on two largely independent tracks: the NAIC model bulletin (governance, all lines), and a 2026 wave of health-insurance statutes restricting AI as the sole basis for claim or coverage denial. A state can be active on the second while absent from the first. Absence from the NAIC map is not absence of regulation.

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