{
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          "type": "statute",
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        }
      ]
    },
    {
      "jurisdiction": "CA",
      "name": "California",
      "posture": "own_framework",
      "citation": "Bulletin 2022-5",
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    {
      "jurisdiction": "CO",
      "name": "Colorado",
      "posture": "own_framework",
      "citation": "3 CCR 702-10",
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        "posture": "naic-adoption-map",
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      "source_id": "naic-adoption-map"
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    {
      "jurisdiction": "CT",
      "name": "Connecticut",
      "posture": "adopted_model_bulletin",
      "citation": "Bulletin No. MC-25",
      "action_date": "2024-02-26",
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    {
      "jurisdiction": "DC",
      "name": "District of Columbia",
      "posture": "adopted_model_bulletin",
      "citation": "Bulletin 24-IB-002-05/21",
      "action_date": "2024-05-21",
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    {
      "jurisdiction": "DE",
      "name": "Delaware",
      "posture": "adopted_model_bulletin",
      "citation": "Domestic and Foreign Bulletin No. 148",
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      "jurisdiction": "FL",
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      "posture": "no_model_bulletin",
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      "date_qualifier": null,
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        "posture": "naic-adoption-map-absence"
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        {
          "type": "bill",
          "citation": "HB 527 (2026)",
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          "status_detail": "Passed House 108-0; died in Senate Rules Committee at end of 2026 session.",
          "source": "https://www.flsenate.gov/Session/Bill/2026/527",
          "confidence": "secondary"
        },
        {
          "type": "bill",
          "citation": "SB 202 (2026)",
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          "status_detail": "Died in Senate Banking and Insurance Committee.",
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          "confidence": "secondary"
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        {
          "type": "regulatory-program",
          "citation": "NAIC AI Systems Evaluation Tool pilot",
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          "source": "https://content.naic.org/insurance-topics/artificial-intelligence",
          "confidence": "secondary"
        }
      ]
    },
    {
      "jurisdiction": "GA",
      "name": "Georgia",
      "posture": "no_model_bulletin",
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        "posture": "naic-adoption-map-absence"
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          "type": "statute",
          "citation": "SB 444 (2025-2026 Regular Session)",
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          "status_detail": "Senate 49-0-5 (2026-02-11); House 166-0-10 (2026-03-19); Senate agreed to House substitute (2026-03-25).",
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        {
          "type": "statute",
          "citation": "SB 544",
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          "effective": "2027-01-01",
          "conflict": "Secondary sources disagree on subject matter. One describes SB 544 as permitting health insurers to use AI in prior authorization while barring adverse determinations without licensed-provider review; another identifies SB 544 as the Georgia Conversational Artificial Intelligence Safety Act. These may be different provisions of one act or a citation error in one source. UNRESOLVED — do not rely on this entry until confirmed against the enrolled text.",
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          "verified_on": "2026-08-20"
        }
      ]
    },
    {
      "jurisdiction": "HI",
      "name": "Hawaii",
      "posture": "adopted_model_bulletin",
      "citation": "Insurance Commissioner Memorandum No. 2025-13A",
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      "date_qualifier": "adopted",
      "amended_effective": null,
      "verbatim_vs_modified": "minimal_or_none",
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        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map",
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      "notes": "Secondary source; not verified against state bulletin text. Do not rely on for compliance.",
      "source_id": "naic-adoption-map"
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    {
      "jurisdiction": "IA",
      "name": "Iowa",
      "posture": "adopted_model_bulletin",
      "citation": "Insurance Division Bulletin 24-04",
      "action_date": "2024-11-07",
      "date_qualifier": "adopted",
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map"
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      "source_id": "naic-adoption-map",
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        {
          "type": "statute",
          "citation": "HF 2635",
          "subject": "AI permitted for initial prior-authorization review, but prohibited as the sole basis to deny, delay or downgrade a medical-necessity request",
          "status": "enacted",
          "confidence": "secondary"
        }
      ]
    },
    {
      "jurisdiction": "ID",
      "name": "Idaho",
      "posture": "no_model_bulletin",
      "citation": null,
      "action_date": null,
      "date_qualifier": null,
      "amended_effective": null,
      "verbatim_vs_modified": null,
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        "posture": "naic-adoption-map-absence"
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      "other_activity": []
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    {
      "jurisdiction": "IL",
      "name": "Illinois",
      "posture": "adopted_model_bulletin",
      "citation": "Company Bulletin 2024-08",
      "action_date": "2024-03-13",
      "date_qualifier": "adopted",
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map"
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      "source_id": "naic-adoption-map",
      "other_activity": [
        {
          "type": "statute",
          "citation": "SB 3114",
          "subject": "Transparency in Downcoding Act — bans algorithms/automated processes that bypass submitted information to downcode a claim; a person must make or review every downcoding determination",
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          "confidence": "secondary",
          "effective": "2028-01-01"
        }
      ]
    },
    {
      "jurisdiction": "IN",
      "name": "Indiana",
      "posture": "no_model_bulletin",
      "citation": null,
      "action_date": null,
      "date_qualifier": null,
      "amended_effective": null,
      "verbatim_vs_modified": null,
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        "posture": "naic-adoption-map-absence"
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      "other_activity": [
        {
          "type": "statute",
          "citation": "2026 health-insurance AI law",
          "subject": "Requires human physician oversight of AI-influenced determinations",
          "status": "enacted",
          "confidence": "secondary",
          "source": "https://www.hklaw.com/en/insights/publications/2026/05/states-continue-efforts-to-regulate-ai-in-healthcare"
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      ]
    },
    {
      "jurisdiction": "KS",
      "name": "Kansas",
      "posture": "no_model_bulletin",
      "citation": null,
      "action_date": null,
      "date_qualifier": null,
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "source_id": "legislative-research",
      "provenance": {
        "posture": "naic-adoption-map-absence"
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      "other_activity": []
    },
    {
      "jurisdiction": "KY",
      "name": "Kentucky",
      "posture": "adopted_model_bulletin",
      "citation": "Bulletin No. 2024-02",
      "action_date": "2024-04-16",
      "date_qualifier": "adopted",
      "amended_effective": null,
      "verbatim_vs_modified": "minimal_or_none",
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map",
        "verbatim_vs_modified": "secondary-unverified"
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      "notes": "Secondary source; not verified against state bulletin text. Do not rely on for compliance.",
      "source_id": "naic-adoption-map"
    },
    {
      "jurisdiction": "LA",
      "name": "Louisiana",
      "posture": "no_model_bulletin",
      "citation": null,
      "action_date": null,
      "date_qualifier": null,
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "source_id": "legislative-research",
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        "posture": "naic-adoption-map-absence"
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    {
      "jurisdiction": "MA",
      "name": "Massachusetts",
      "posture": "adopted_model_bulletin",
      "citation": "Bulletin No. 2024-10",
      "action_date": "2024-12-09",
      "date_qualifier": "adopted",
      "amended_effective": null,
      "verbatim_vs_modified": "minimal_or_none",
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map",
        "verbatim_vs_modified": "secondary-unverified"
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      "notes": "Secondary source; not verified against state bulletin text. Do not rely on for compliance.",
      "source_id": "naic-adoption-map"
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    {
      "jurisdiction": "MD",
      "name": "Maryland",
      "posture": "adopted_model_bulletin",
      "citation": "Bulletin No. 24-11",
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      "amended_effective": null,
      "verbatim_vs_modified": "minimal_or_none",
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map",
        "verbatim_vs_modified": "secondary-unverified"
      },
      "notes": "Secondary source; not verified against state bulletin text. Do not rely on for compliance.",
      "source_id": "naic-adoption-map",
      "other_activity": [
        {
          "type": "statute",
          "citation": "2026 health-insurance AI law",
          "subject": "Requires human physician oversight of AI-influenced determinations",
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          "confidence": "secondary"
        }
      ]
    },
    {
      "jurisdiction": "ME",
      "name": "Maine",
      "posture": "no_model_bulletin",
      "citation": null,
      "action_date": null,
      "date_qualifier": null,
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "source_id": "legislative-research",
      "provenance": {
        "posture": "naic-adoption-map-absence"
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      "other_activity": [
        {
          "type": "statute",
          "citation": "HB 2082",
          "subject": "Licensed mental-health professionals may use AI for administrative and limited supplementary purposes only; barred from therapeutic communications, treatment decisions, or independent patient interaction",
          "status": "enacted",
          "confidence": "secondary",
          "source": "https://www.hklaw.com/en/insights/publications/2026/05/states-continue-efforts-to-regulate-ai-in-healthcare"
        }
      ]
    },
    {
      "jurisdiction": "MI",
      "name": "Michigan",
      "posture": "adopted_model_bulletin",
      "citation": "Bulletin 2024-20-INS",
      "action_date": "2024-08-07",
      "date_qualifier": "adopted",
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map"
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      "source_id": "naic-adoption-map"
    },
    {
      "jurisdiction": "MN",
      "name": "Minnesota",
      "posture": "no_model_bulletin",
      "citation": null,
      "action_date": null,
      "date_qualifier": null,
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "source_id": "legislative-research",
      "provenance": {
        "posture": "naic-adoption-map-absence"
      },
      "other_activity": [
        {
          "type": "statute",
          "citation": "consumer AI disclosure bill",
          "subject": "Would require businesses to disclose when a person is communicating with AI",
          "status": "pending",
          "confidence": "secondary",
          "source": "https://www.hklaw.com/en/insights/publications/2026/05/states-continue-efforts-to-regulate-ai-in-healthcare"
        }
      ]
    },
    {
      "jurisdiction": "MO",
      "name": "Missouri",
      "posture": "no_model_bulletin",
      "citation": null,
      "action_date": null,
      "date_qualifier": null,
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "source_id": "legislative-research",
      "provenance": {
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    {
      "jurisdiction": "MS",
      "name": "Mississippi",
      "posture": "no_model_bulletin",
      "citation": null,
      "action_date": null,
      "date_qualifier": null,
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "source_id": "legislative-research",
      "provenance": {
        "posture": "naic-adoption-map-absence"
      },
      "other_activity": []
    },
    {
      "jurisdiction": "MT",
      "name": "Montana",
      "posture": "no_model_bulletin",
      "citation": null,
      "action_date": null,
      "date_qualifier": null,
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "source_id": "legislative-research",
      "provenance": {
        "posture": "naic-adoption-map-absence"
      },
      "other_activity": []
    },
    {
      "jurisdiction": "NC",
      "name": "North Carolina",
      "posture": "adopted_model_bulletin",
      "citation": "Bulletin No. 24-B-19",
      "action_date": "2024-12-18",
      "date_qualifier": "adopted",
      "amended_effective": null,
      "verbatim_vs_modified": "minimal_or_none",
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map",
        "verbatim_vs_modified": "secondary-unverified"
      },
      "notes": "Secondary source; not verified against state bulletin text. Do not rely on for compliance.",
      "source_id": "naic-adoption-map"
    },
    {
      "jurisdiction": "ND",
      "name": "North Dakota",
      "posture": "no_model_bulletin",
      "citation": null,
      "action_date": null,
      "date_qualifier": null,
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "source_id": "legislative-research",
      "provenance": {
        "posture": "naic-adoption-map-absence"
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      "other_activity": []
    },
    {
      "jurisdiction": "NE",
      "name": "Nebraska",
      "posture": "adopted_model_bulletin",
      "citation": "Insurance Guidance Document No. IGD--H1",
      "action_date": "2024-06-11",
      "date_qualifier": "issued",
      "amended_effective": null,
      "verbatim_vs_modified": "minimal_or_none",
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map",
        "verbatim_vs_modified": "secondary-unverified"
      },
      "notes": "Secondary source; not verified against state bulletin text. Do not rely on for compliance.",
      "source_id": "naic-adoption-map",
      "other_activity": [
        {
          "type": "statute",
          "citation": "2026 health-insurance AI law",
          "subject": "Requires human physician oversight of AI-influenced determinations",
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          "confidence": "secondary"
        }
      ]
    },
    {
      "jurisdiction": "NH",
      "name": "New Hampshire",
      "posture": "adopted_model_bulletin",
      "citation": "Bulletin Docket #INS 24-011-AB",
      "action_date": "2024-02-20",
      "date_qualifier": "adopted",
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map"
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      "source_id": "naic-adoption-map"
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    {
      "jurisdiction": "NJ",
      "name": "New Jersey",
      "posture": "adopted_model_bulletin",
      "citation": "Insurance Bulletin No. 25-03",
      "action_date": "2025-02-11",
      "date_qualifier": "adopted",
      "amended_effective": null,
      "verbatim_vs_modified": "minimal_or_none",
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map",
        "verbatim_vs_modified": "secondary-unverified"
      },
      "notes": "Secondary source; not verified against state bulletin text. Do not rely on for compliance.",
      "source_id": "naic-adoption-map"
    },
    {
      "jurisdiction": "NM",
      "name": "New Mexico",
      "posture": "no_model_bulletin",
      "citation": null,
      "action_date": null,
      "date_qualifier": null,
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "source_id": "legislative-research",
      "provenance": {
        "posture": "naic-adoption-map-absence"
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      "other_activity": []
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    {
      "jurisdiction": "NV",
      "name": "Nevada",
      "posture": "adopted_model_bulletin",
      "citation": "Bulletin 24-001",
      "action_date": "2024-02-23",
      "date_qualifier": "adopted",
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map"
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      "source_id": "naic-adoption-map"
    },
    {
      "jurisdiction": "NY",
      "name": "New York",
      "posture": "own_framework",
      "citation": "Insurance Circular Letter No. 7",
      "action_date": "2024-07-11",
      "date_qualifier": "issued",
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map"
      },
      "source_id": "naic-adoption-map"
    },
    {
      "jurisdiction": "OH",
      "name": "Ohio",
      "posture": "no_model_bulletin",
      "citation": null,
      "action_date": null,
      "date_qualifier": null,
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "source_id": "legislative-research",
      "provenance": {
        "posture": "naic-adoption-map-absence"
      },
      "other_activity": [
        {
          "type": "bill",
          "citation": "SB 164 (136th General Assembly)",
          "title": "Regulate the use of artificial intelligence by health insurers",
          "sponsor": "Sen. Al Cutrona",
          "affects": "R.C. 3902.50 (amends), R.C. 3902.80 (enacts)",
          "subject": "health-insurer AI",
          "status": "pending",
          "status_detail": "In Senate Financial Institutions, Insurance and Technology Committee; not passed by either chamber.",
          "source": "https://www.legislature.ohio.gov/legislation/136/sb164",
          "confidence": "primary"
        }
      ]
    },
    {
      "jurisdiction": "OK",
      "name": "Oklahoma",
      "posture": "adopted_model_bulletin",
      "citation": "Bulletin No. 2024-11",
      "action_date": "2024-11-14",
      "date_qualifier": "adopted",
      "amended_effective": null,
      "verbatim_vs_modified": "minimal_or_none",
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map",
        "verbatim_vs_modified": "secondary-unverified"
      },
      "notes": "Secondary source; not verified against state bulletin text. Do not rely on for compliance.",
      "source_id": "naic-adoption-map"
    },
    {
      "jurisdiction": "OR",
      "name": "Oregon",
      "posture": "no_model_bulletin",
      "citation": null,
      "action_date": null,
      "date_qualifier": null,
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "source_id": "legislative-research",
      "provenance": {
        "posture": "naic-adoption-map-absence"
      },
      "other_activity": []
    },
    {
      "jurisdiction": "PA",
      "name": "Pennsylvania",
      "posture": "adopted_model_bulletin",
      "citation": "Insurance Notice 2024-04, 54 Pa.B. 1910",
      "action_date": "2024-04-06",
      "date_qualifier": "adopted",
      "amended_effective": null,
      "verbatim_vs_modified": "minimal_or_none",
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map",
        "verbatim_vs_modified": "secondary-unverified"
      },
      "notes": "Secondary source; not verified against state bulletin text. Do not rely on for compliance.",
      "source_id": "naic-adoption-map"
    },
    {
      "jurisdiction": "RI",
      "name": "Rhode Island",
      "posture": "adopted_model_bulletin",
      "citation": "Insurance Bulletin No. 2024-03",
      "action_date": "2024-03-15",
      "date_qualifier": "adopted",
      "amended_effective": null,
      "verbatim_vs_modified": "minimal_or_none",
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map",
        "verbatim_vs_modified": "secondary-unverified"
      },
      "notes": "Secondary source; not verified against state bulletin text. Do not rely on for compliance.",
      "source_id": "naic-adoption-map"
    },
    {
      "jurisdiction": "SC",
      "name": "South Carolina",
      "posture": "no_model_bulletin",
      "citation": null,
      "action_date": null,
      "date_qualifier": null,
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "source_id": "legislative-research",
      "provenance": {
        "posture": "naic-adoption-map-absence"
      },
      "other_activity": []
    },
    {
      "jurisdiction": "SD",
      "name": "South Dakota",
      "posture": "no_model_bulletin",
      "citation": null,
      "action_date": null,
      "date_qualifier": null,
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "source_id": "legislative-research",
      "provenance": {
        "posture": "naic-adoption-map-absence"
      },
      "other_activity": []
    },
    {
      "jurisdiction": "TN",
      "name": "Tennessee",
      "posture": "no_model_bulletin",
      "citation": null,
      "action_date": null,
      "date_qualifier": null,
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "source_id": "legislative-research",
      "provenance": {
        "posture": "naic-adoption-map-absence"
      },
      "other_activity": [
        {
          "type": "statute",
          "citation": "SB 1580, Public Chapter 647",
          "title": "An act to amend Tennessee Code Annotated, Title 33; Title 47 and Title 63, relative to mental health",
          "subject": "Bars developers/deployers of an AI system from advertising or representing that it is, or can act as, a qualified mental health professional. Targets consumer-facing representations, not clinician-supervised use. Violations are unfair or deceptive acts under the Tennessee Consumer Protection Act; civil penalties up to $5,000 per violation; explicit private right of action.",
          "status": "enacted",
          "enacted": "2026-04-01",
          "effective": "2026-07-01",
          "source": "https://capitol.tn.gov/Bills/114/Bill/SB1580.pdf",
          "confidence": "primary",
          "verified_on": "2026-08-20"
        }
      ]
    },
    {
      "jurisdiction": "TX",
      "name": "Texas",
      "posture": "own_framework",
      "citation": "Bulletin # B-0036-20",
      "action_date": "2020-09-30",
      "date_qualifier": "issued",
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map"
      },
      "source_id": "naic-adoption-map"
    },
    {
      "jurisdiction": "UT",
      "name": "Utah",
      "posture": "no_model_bulletin",
      "citation": null,
      "action_date": null,
      "date_qualifier": null,
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "source_id": "legislative-research",
      "provenance": {
        "posture": "naic-adoption-map-absence"
      },
      "other_activity": [
        {
          "type": "statute",
          "citation": "SB 319 (2026 General Session)",
          "title": "Health Insurance Preauthorization Amendments",
          "subject": "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.",
          "status": "enacted",
          "enacted": "2026-03-19",
          "effective": "2026-05-06",
          "source": "https://le.utah.gov/Session/2026/bills/enrolled/SB0319.pdf",
          "confidence": "primary",
          "verified_on": "2026-08-20",
          "correction": "Previously recorded effective 2027-01-01. Actual: 2026-05-06 — already in force."
        }
      ]
    },
    {
      "jurisdiction": "VA",
      "name": "Virginia",
      "posture": "adopted_model_bulletin",
      "citation": "Administrative Letter 2024-01",
      "action_date": "2024-07-22",
      "date_qualifier": "adopted",
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map"
      },
      "source_id": "naic-adoption-map"
    },
    {
      "jurisdiction": "VT",
      "name": "Vermont",
      "posture": "adopted_model_bulletin",
      "citation": "Insurance Bulletin No. 229",
      "action_date": "2024-03-12",
      "date_qualifier": "adopted",
      "amended_effective": null,
      "verbatim_vs_modified": "minimal_or_none",
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map",
        "verbatim_vs_modified": "secondary-unverified"
      },
      "notes": "Secondary source; not verified against state bulletin text. Do not rely on for compliance.",
      "source_id": "naic-adoption-map"
    },
    {
      "jurisdiction": "WA",
      "name": "Washington",
      "posture": "adopted_model_bulletin",
      "citation": "Technical Assistance Advisory 2024-02",
      "action_date": "2024-04-22",
      "date_qualifier": "adopted",
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map"
      },
      "source_id": "naic-adoption-map",
      "other_activity": [
        {
          "type": "statute",
          "citation": "SB 5395 (E2SSB 5395), Chapter 157, 2026 Laws",
          "title": "Making improvements to transparency and accountability in the prior authorization determination process",
          "subject": "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.",
          "status": "enacted",
          "enacted": "2026-03-23",
          "effective": "2026-06-11",
          "source": "https://app.leg.wa.gov/billsummary?BillNumber=5395&Year=2025",
          "confidence": "primary",
          "verified_on": "2026-08-20"
        }
      ]
    },
    {
      "jurisdiction": "WI",
      "name": "Wisconsin",
      "posture": "adopted_model_bulletin",
      "citation": "Insurance Bulletin",
      "action_date": "2025-03-18",
      "date_qualifier": "adopted",
      "amended_effective": null,
      "verbatim_vs_modified": "minimal_or_none",
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map",
        "verbatim_vs_modified": "secondary-unverified"
      },
      "notes": "Secondary source; not verified against state bulletin text. Do not rely on for compliance.",
      "source_id": "naic-adoption-map"
    },
    {
      "jurisdiction": "WV",
      "name": "West Virginia",
      "posture": "adopted_model_bulletin",
      "citation": "Insurance Bulletin No. 24-06",
      "action_date": "2024-08-09",
      "date_qualifier": "adopted",
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "provenance": {
        "posture": "naic-adoption-map",
        "citation": "naic-adoption-map",
        "action_date": "naic-adoption-map"
      },
      "source_id": "naic-adoption-map"
    },
    {
      "jurisdiction": "WY",
      "name": "Wyoming",
      "posture": "no_model_bulletin",
      "citation": null,
      "action_date": null,
      "date_qualifier": null,
      "amended_effective": null,
      "verbatim_vs_modified": null,
      "source_id": "legislative-research",
      "provenance": {
        "posture": "naic-adoption-map-absence"
      },
      "other_activity": []
    }
  ],
  "_provenance": {
    "source": "Implementation of NAIC Model Bulletin: Use of AI Systems by Insurers",
    "url": "https://content.naic.org/sites/default/files/legal-adoption-map-ai-model-bulletin.pdf",
    "source_as_of": "2026-08-06",
    "retrieved": "2026-08-18",
    "caveat": "Index, not authority. Confirm against the issuing regulator's own bulletin before relying on this for a compliance decision."
  }
}