On December 16, 2025, the National Association of Insurance Commissioners (NAIC) issued a statement (the NAIC Statement), on the December 11 Executive Order Ensuring a National Policy Framework for Artificial Intelligence (the Executive Order). The Executive Order urges Congress to act to ensure that “there is a minimally burdensome national standard – not 50 discordant State ones.” The Executive Order then calls out “the most onerous and excessive laws emerging from the States that threaten to stymie innovation.” It also calls for a Task Force to “at a minimum, identify laws that require AI models to alter their truthful outputs, or that may compel AI developers or deployers to disclose or report information in a manner that would violate the First Amendment or any other provision of the Constitution.” The Executive Order then goes on to indicate that state funding under the Broadband Equity Access and Deployment (BEAD) Program and other sources of funding could be reduced or eliminated based on continued state regulation of AI that is in contravention with the AI policy enunciated in the Executive Order.
The Executive Order also calls for the preparation of a legislative recommendation “establishing a uniform Federal policy framework for AI that preempts State AI laws that conflict with the policy set forth in this order.” That Section 8 of the Executive Order goes on to list areas that would not be preempted, including “(i) child safety protections; (ii) AI compute and data center infrastructure, other than generally applicable permitting reforms; (iii) State government procurement and use of AI; and (iv) other topics as shall be determined,” but does not specifically reference the regulation of the use of AI in insurance.
NAIC声明通过以下方式回应该行政命令：
- 保险业州级监管的历史概述：美国保险监管官协会声明阐述了州级监管150年的发展历程，以及保险业地方监管的依据——包括在技术快速变革背景下保护消费者权益的举措。该声明还探讨了各州保险监管官近期"应对人工智能挑战"的行动，包括各州采纳的 NAIC《保险公司使用人工智能系统示范公告》。
- 警示潜在的意外后果：美国保险监管官协会指出，“这项全面的行政命令将引发重大意外后果”，这些后果“可能影响保险公司日常使用的常规分析工具，并阻碍监管机构在费率制定、承保和理赔处理等领域应对风险——即使这些领域并未真正涉及人工智能技术。”
- 凸显法律不确定性的潜在风险：美国保险监管官协会（NAIC）认为，若该行政命令未能就保险业的州级监管作出明确规定，则"将引发法律不确定性，可能通过延迟商业决策、阻碍投资以及推迟实施关键消费者保护措施等方式削弱保险市场。"
- 要求重新审议：在声明中，美国保险监管官协会敦促"政府重新审议这项行政命令，至少应确认各州对保险业务中人工智能的监管权，以避免造成破坏性的不确定性"。该协会还呼吁在人工智能创新领域"重启联邦与州监管机构的合作"。
