Iowa insurance AI regulation

Iowa has adopted the NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers, via Insurance Division Bulletin 24-04, adopted 2024-11-07.

Details

Jurisdiction	Iowa (IA)
NAIC model bulletin	Adopted
Citation	Insurance Division Bulletin 24-04
Date	2024-11-07 (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
HF 2635 AI permitted for initial prior-authorization review, but prohibited as the sole basis to deny, delay or downgrade a medical-necessity request	enacted 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