States are deciding one at a time how insurers may use artificial intelligence in underwriting, pricing and claims. The NAIC's Model Bulletin on the Use of Artificial Intelligence Systems by Insurers was adopted in December 2023, and states have been taking it up individually ever since. Colorado has gone further than a bulletin, with a binding statute and regulations behind it.
Nobody sends you a notice when that happens.
What it is
AI Insurance Watch records who has acted, when they acted, and links the official document for every entry. That is the whole product. It is free, and it is not legal advice.
Who it is for
If you write or advise on insurance in a single state, you probably do not need this — you will hear from your own department. It is built for the case where the rulebook changes in a state you are not watching: multi-state carriers, MGAs, and the counsel who have to answer "are we compliant in all of them" without reading every bulletin page every week.
What it cannot tell you
This is the part most trackers leave out, so we will be direct about it.
- It does not tell you whether you are compliant. It tells you a state acted and points you at the document. Reading that document against your own underwriting stack is work only you or your counsel can do. - It does not interpret. A bulletin and a statute are not the same instrument and do not carry the same force. The tracker records which one a state issued; it does not rank them for you. - It is not a prediction. A state with no entry has not acted as far as the official sources show. That is not the same as a state that will not act. - It is not legal advice, and no version of it ever will be.
Why we link the source on every row
A tracker that summarises without linking is asking you to trust a summary. When the question is "may we use this model in this state", a summary is not what you need in front of a regulator — the bulletin is. So every row carries its link and labels its own provenance: rows marked State DOI / primary point at the state's own document, and rows marked NAIC adoption list are confirmed against the NAIC's own map where we could not capture a state-hosted copy. You can always see which kind of row you are reading.
That labelling costs us the ability to claim every row is primary-sourced. A tracker built on news articles and vendor blog posts would look fuller. It would also be unciteable at the moment it mattered.
Using it
The tracker is a page you can read. The official state sources we can reach are re-checked automatically every day for changes.
Start here: AI Insurance Watch.