{
  "jurisdiction": "IN",
  "name": "Indiana",
  "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": "HB 1271 (2026), House Enrolled Act, adding IC 27-1-52",
      "title": "Downcoding of health benefits claims",
      "subject": "Sec. 9 runs in BOTH directions and adds a disclosure duty. (a) An insurer may not use an automated process, system or tool, including AI, as the sole basis to downcode a claim based on medical necessity without review of the covered individual's medical record by an employee or contractor of the insurer. (b) A provider may not use an automated tool, including AI, to submit a claim without review by a provider or other person involved in developing it. (c) An insurer must disclose, in an easily accessible and readable manner, when AI is used to make an adverse determination on a prior authorization request or to downcode a claim.",
      "quote": "Sec. 9. (a) An insurer may not use an automated: (1) process; (2) system; or (3) tool, including artificial intelligence; as the sole basis to downcode a claim based on medical necessity without the review of the covered individual's medical record by an employee or contractor of the insurer. ... (c) An insurer must disclose in an easily accessible and readable manner when artificial intelligence is used to: (1) make an adverse determination on a prior authorization request; or (2) downcode a claim.",
      "status": "enacted",
      "enacted": "2026-03-04",
      "effective": "2026-07-01",
      "source": "https://iga.in.gov/pdf-documents/124/2026/house/bills/HB1271/HB1271.07.ENRS.pdf",
      "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."
  }
}