{
  "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"
  },
  "source_id": "naic-adoption-map",
  "other_activity": [
    {
      "type": "statute",
      "citation": "HF 2635 (91st General Assembly), Acts Chapter 1087",
      "title": "A bill for an act relating to health carriers standards of conduct; utilization review organizations, artificial intelligence, audits, and prior authorizations; certificate of need processes; and including applicability provisions",
      "subject": "An AI-based algorithm may be used for initial review of a prior authorization request, but may not be the sole basis to deny, delay or downgrade a medical-necessity request. Human clinical judgment must be incorporated into adverse determinations.",
      "status": "enacted",
      "enacted": "2026-05-13",
      "effective": "2026-07-01",
      "source": "https://www.legis.iowa.gov/legislation/billTracking/billHistory?ga=91&billName=HF2635",
      "confidence": "primary",
      "verified_on": "2026-08-21"
    }
  ],
  "_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."
  }
}