Washington insurance AI regulation

Washington has adopted the NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers, via Technical Assistance Advisory 2024-02, adopted 2024-04-22.

Details

Jurisdiction	Washington (WA)
NAIC model bulletin	Adopted
Citation	Technical Assistance Advisory 2024-02
Date	2024-04-22 (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 5395 (E2SSB 5395), Chapter 157, 2026 Laws Medical-necessity determinations may be made only by a licensed physician or licensed health professional. AI, an algorithm or related software tool may NOT be the sole means used to deny, delay or modify health care services. Algorithms MAY be used to process and approve prior authorization requests — the restriction is on denial without human review, not on AI use. source

enacted, effective 2026-06-11

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