Utah insurance AI regulation

Utah has not adopted the NAIC model bulletin. It has enacted SB 319 (2026 General Session), effective 2026-05-06.

Details

Jurisdiction	Utah (UT)
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 319 (2026 General Session) Insurer must disclose whether AI is used in reviewing an authorization request; sets maximum decision timeframes and minimum validity periods for chronic/long-term care authorizations; a person reviewing an adverse preauthorization determination must exercise independent medical judgment and not rely solely on recommendations from any other source. source	enacted, effective 2026-05-06

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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