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) Would have barred reducing or denying a claim solely on an AI or machine-learning system review. source	died House passed the committee substitute 108-0 on 2026-03-05; died in the Senate Rules Committee on 2026-03-13. Did not become law. ✓ verified against the source text
SB 202 (2026) Senate companion to HB 527 on AI as sole basis for claim denial or reduction. source	died Died in the Senate Banking and Insurance Committee. Did not become law. reported — not yet confirmed at source
NAIC AI Systems Evaluation Tool — multistate pilot Regulator information-gathering on insurer AI use. Florida is one of 12 participating states in the pilot running January-September 2026. A pilot is not a legal obligation on carriers; it is included because it signals where regulator attention is going. source	participating reported — not yet confirmed at source

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