What The AI Fight Means For Your Insurance Premiums
What The AI Fight Means For Your Insurance Premiums
Publish Date: 2026-06-20 15:00:00
Source Domain: www.forbes.com
On December 11, 2025, President Trump signed Executive Order 14365, which set the Justice Department the task of going to court to knock down state laws that govern artificial intelligence
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On December 11, 2025, President Trump signed Executive Order 14365, which set the Justice Department the task of going to court to knock down state laws that govern artificial intelligence. The order created an AI Litigation Task Force inside the DOJ, gave it until January 10 to stand up, and pointed it at any state rule the administration judges too heavy a burden on the technology. Six months on, the task force exists, the attorney general has announced it, and it has not yet filed a single case. That pause is the whole story for anyone who holds an insurance policy, because some of the rules in the firing line decide how the algorithms that price your cover are allowed to behave.
The Quiet Build-Out Nobody Watched
While Washington argued about AI in the abstract, the people who regulate insurance were busy with the plumbing. Insurance in the United States is policed not federally but state by state, coordinated through the National Association of Insurance Commissioners, a body of the 50 state regulators rather than an arm of the government. In December 2023 the NAIC published a model bulletin on insurers’ use of AI, setting out what it expects on governance, testing and oversight. A model bulletin is not law by itself; each state has to adopt it. By the NAIC’s own count, reported at its spring meeting in March, 24 states and the District of Columbia have now done so, with four more states writing their own AI-specific rules.
That is more than half the country, arrived at without much noise. The bulletins tend to say similar things: an insurer using AI in decisions that affect customers must keep a written program, govern the models, watch for unfair discrimination, and answer to examiners when asked. The point worth holding onto is that these are not aspirations…
