Nebraska insurance AI regulation

Nebraska has adopted the NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers, via Insurance Guidance Document No. IGD--H1, issued 2024-06-11.

Details

Jurisdiction	Nebraska (NE)
NAIC model bulletin	Adopted
Citation	Insurance Guidance Document No. IGD--H1
Date	2024-06-11 (issued)
Source	Implementation of NAIC Model Bulletin: Use of AI Systems by Insurers, as of 2026-08-06

Other AI-related insurance activity

Measure	Status
LB 77 (109th Legislature), Ensuring Transparency in Prior Authorization Act Sec. 12: an AI-based algorithm may not be the sole basis of a utilization review agent's decision to deny, delay or modify care on medical-necessity grounds; the agent must disclose AI use to the department, to every in-network provider, to every enrollee AND on its public website; and the department may audit the automated utilization management system at any time, including via a contracted third party. Sec. 12. (1) An artificial intelligence-based algorithm shall not be the sole basis of a utilization review agent's decision to deny, delay, or modify health care services based, in whole or in part, on medical necessity. (2) A utilization review agent shall disclose to the department, to each health care provider in its network, to each enrollee, and on its public website if artificial intelligence-based algorithms are used or will be used in the utilization review process. (3) The department may, at any time, audit a utilization review agent's automated utilization management system. Correction: Previously framed as a 2026 law. LB 77 was signed 2025-06-04 (109th Legislature); standardized prior-authorization forms took effect 2026-01-01. source	enacted, effective 2026-01-01 ✓ verified against the source text

Measure

Status

LB 77 (109th Legislature), Ensuring Transparency in Prior Authorization Act
Sec. 12: an AI-based algorithm may not be the sole basis of a utilization review agent's decision to deny, delay or modify care on medical-necessity grounds; the agent must disclose AI use to the department, to every in-network provider, to every enrollee AND on its public website; and the department may audit the automated utilization management system at any time, including via a contracted third party.

Sec. 12. (1) An artificial intelligence-based algorithm shall not be the sole basis of a utilization review agent's decision to deny, delay, or modify health care services based, in whole or in part, on medical necessity. (2) A utilization review agent shall disclose to the department, to each health care provider in its network, to each enrollee, and on its public website if artificial intelligence-based algorithms are used or will be used in the utilization review process. (3) The department may, at any time, audit a utilization review agent's automated utilization management system.

Correction: Previously framed as a 2026 law. LB 77 was signed 2025-06-04 (109th Legislature); standardized prior-authorization forms took effect 2026-01-01.
source

enacted, effective 2026-01-01
✓ 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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