Georgia insurance AI regulation

Georgia has not adopted the NAIC model bulletin. It has enacted SB 444 (2025-2026 Regular Session), 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). ✓ verified against the source text

Retracted

Entries previously listed here and since removed. Published because a correction is part of the record — if we were wrong, that is worth knowing.

SB 544

REMOVED 2026-08-21. Recorded on secondary reporting as a health-insurer AI prior-authorization law, and separately described elsewhere as the Conversational Artificial Intelligence Safety Act. The signed act obtained from the Governor's own 2026 signed-legislation record is neither: it is a homestead exemption from Butts County ad valorem taxes for residents aged 62 or older. Zero occurrences of 'artificial intelligence', 'insurer' or 'prior authorization' in the enrolled text. Both secondary sources were wrong about the same bill number. 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