Maine insurance AI regulation

Maine has not adopted the NAIC model bulletin. It has enacted LD 2082 (132nd Legislature), Public Law Chapter 687, effective 2026-07-29.

Details

Jurisdiction	Maine (ME)
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
LD 2082 (132nd Legislature), Public Law Chapter 687 Bars AI from making independent therapeutic decisions, engaging in therapeutic communication with clients, or generating treatment plans or recommendations without clinician review, and bars offering therapy to the public through AI rather than a licensed professional. Limits AI to administrative and supplementary roles under the licensee's full responsibility. Supplementary use is conditioned on a recorded or transcribed session with the client informed in writing and giving written, revocable consent. Correction: Citation was wrong. Recorded as 'HB 2082'; Maine numbers bills as Legislative Documents, so the correct citation is LD 2082, enacted as Public Law Chapter 687. source	enacted, effective 2026-07-29 ✓ verified against the source text

Measure

Status

LD 2082 (132nd Legislature), Public Law Chapter 687
Bars AI from making independent therapeutic decisions, engaging in therapeutic communication with clients, or generating treatment plans or recommendations without clinician review, and bars offering therapy to the public through AI rather than a licensed professional. Limits AI to administrative and supplementary roles under the licensee's full responsibility. Supplementary use is conditioned on a recorded or transcribed session with the client informed in writing and giving written, revocable consent.
Correction: Citation was wrong. Recorded as 'HB 2082'; Maine numbers bills as Legislative Documents, so the correct citation is LD 2082, enacted as Public Law Chapter 687.
source

enacted, effective 2026-07-29
✓ verified against the source text

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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