{"id":234291,"date":"2026-06-20T15:00:00","date_gmt":"2026-06-20T19:00:00","guid":{"rendered":"https:\/\/testing.news-you-need.com\/index.php\/2026\/06\/20\/what-the-ai-fight-means-for-your-insurance-premiums\/"},"modified":"2026-06-20T15:15:15","modified_gmt":"2026-06-20T19:15:15","slug":"what-the-ai-fight-means-for-your-insurance-premiums","status":"publish","type":"post","link":"https:\/\/testing.news-you-need.com\/index.php\/2026\/06\/20\/what-the-ai-fight-means-for-your-insurance-premiums\/","title":{"rendered":"What The AI Fight Means For Your Insurance Premiums"},"content":{"rendered":"<p><a href=\"https:\/\/www.forbes.com\/sites\/daraabasiita\/2026\/06\/20\/what-the-ai-fight-means-for-your-insurance-premiums\/\">What The AI Fight Means For Your Insurance Premiums<\/a><\/p>\n<p><a href=\"https:\/\/www.forbes.com\/sites\/daraabasiita\/2026\/06\/20\/what-the-ai-fight-means-for-your-insurance-premiums\/\">https:\/\/www.forbes.com\/sites\/daraabasiita\/2026\/06\/20\/what-the-ai-fight-means-for-your-insurance-premiums\/<\/a><\/p>\n<p>Publish Date: <a href=\"publish_date]\">2026-06-20 15:00:00<\/a><\/p>\n<p>Source Domain: <a href=\"www.forbes.com\">www.forbes.com<\/a><\/p>\n<ul>\n<li>\n<p><strong>Executive Order 14365 Signed by President Trump<\/strong>: On December 11, 2025, President Trump signed Executive Order 14365, aiming to challenge state laws governing artificial intelligence (AI) through litigation, forming a task force within the Justice Department to sue states.<\/p>\n<\/li>\n<li>\n<p><strong>Formation of AI Litigation Task Force<\/strong>: The task force within the Department of Justice was established to target state laws that the administration views as burdensome to AI technology, although it has not filed any cases six months after its creation.<\/p>\n<\/li>\n<li>\n<p><strong>State-Level AI Regulation in Insurance<\/strong>: Over half of U.S. states have adopted or are developing specific rules about insurers&#8217; use of AI, with New York and Colorado leading in detailing requirements for fairness and transparency in AI models used for underwriting, pricing, and claims.<\/p>\n<\/li>\n<li>\n<p><strong>NAIC\u2019s Model Bulletin and AI Systems Evaluation Tool<\/strong>: The National Association of Insurance Commissioners (NAIC) published guidelines and created a toolkit for regulators to test and ensure the responsible use of AI by insurers, covering functions such as underwriting, pricing, and reserving.<\/p>\n<\/li>\n<li>\n<p><strong>Federal vs. State Regulation of AI in Insurance<\/strong>: Executive Order 14365 threatens to dismantle state-level AI regulations by invoking lawsuits and conditioning federal broadband funding, although no state insurance AI rules have been legally challenged yet.<\/p>\n<\/li>\n<li>\n<p><strong>Impact on Policyholders<\/strong>: The outcome of the federal versus state regulatory battle could significantly impact how closely AI algorithms used in insurance decisions are monitored, affecting transparency and fairness for policyholders.<\/p>\n<\/li>\n<li>\n<p><strong>Consumer Awareness and Rights<\/strong>: Policyholders have the right to understand how AI and external data are used to determine their insurance rates and should ask insurers for the reasons behind adverse decisions, as some states have laws requiring explanations for such decisions.<\/p>\n<\/li>\n<li>\n<p><strong>Role of Courts in Future Regulation<\/strong>: The regulation of AI in insurance is shifting from state-level regulatory efforts to becoming a legal battleground, where courts will ultimately decide the future landscape of oversight.<\/p>\n<\/li>\n<\/ul>\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What The AI Fight Means For Your Insurance Premiums https:\/\/www.forbes.com\/sites\/daraabasiita\/2026\/06\/20\/what-the-ai-fight-means-for-your-insurance-premiums\/ Publish Date: 2026-06-20 15:00:00 Source&#8230;<\/p>\n","protected":false},"author":1,"featured_media":234293,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"https:\/\/imageio.forbes.com\/specials-images\/imageserve\/6a36b58fd536d79fac8974dc\/0x0.jpg?format=jpg&height=900&width=1600&fit=bounds","fifu_image_alt":"","footnotes":""},"categories":[14],"tags":[20],"class_list":["post-234291","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artificial-intelligence","tag-artificial-intelligence"],"_links":{"self":[{"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/234291"}],"collection":[{"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/comments?post=234291"}],"version-history":[{"count":1,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/234291\/revisions"}],"predecessor-version":[{"id":234294,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/234291\/revisions\/234294"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/media\/234293"}],"wp:attachment":[{"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/media?parent=234291"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/categories?post=234291"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/tags?post=234291"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}