Montana insurance AI regulation

Montana has not adopted the NAIC model bulletin. No AI-specific insurance action is currently tracked.

Details

Jurisdiction	Montana (MT)
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 556 (2025 Regular Session) Would have required health insurance issuers using AI for utilization review and management to base determinations on the covered person's medical history, individual clinical circumstances and relevant clinical information, rather than solely on group datasets. Substantively similar to Maryland HB 820, which was enacted. source	died Introduced 2025-02-18. Tabled in House Business and Labor Committee 2025-03-01 by 20-0. Missed the general-bill transmittal deadline 2025-03-12. Died in process 2025-05-20. Never enacted; no effective date. cited — primary source recorded, text not yet retrieved

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