Georgia insurance AI regulation

Georgia has not adopted the NAIC model bulletin. It has enacted SB 444 (2025-2026 Regular Session) and SB 544, effective 2027-01-01.

Details

Jurisdiction	Georgia (GA)
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
SB 444 (2025-2026 Regular Session) Coverage decisions for healthcare services may not be based solely on AI systems. AI may automate tasks and participate in decision-making, but may not issue an adverse determination until a natural person qualifying as a private review agent or utilization review entity conducts a review in which a clinical peer participates; AI may not supersede that clinical peer's judgment. source	enacted, effective 2027-01-01 Senate 49-0-5 (2026-02-11); House 166-0-10 (2026-03-19); Senate agreed to House substitute (2026-03-25).
SB 544 DISPUTED — see conflict note.	enacted, effective 2027-01-01

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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