Florida insurance AI regulation

Florida has not adopted the NAIC model bulletin. No AI-specific insurance action is currently tracked.

Details

Jurisdiction	Florida (FL)
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 527 (2026) AI as sole basis for claim denial/reduction source	died Passed House 108-0; died in Senate Rules Committee at end of 2026 session. secondary source — confirm before relying on it
SB 202 (2026) AI as sole basis for claim denial/reduction source	died Died in Senate Banking and Insurance Committee. secondary source — confirm before relying on it
NAIC AI Systems Evaluation Tool pilot regulator information-gathering on insurer AI use source	participating One of 12 states in the multistate pilot running January-September 2026. secondary source — confirm before relying on it

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.

See all 51 jurisdictions · This record as JSON