Mississippi: AI health laws

Bulletin 2026-9, Use of Artificial Intelligence Systems by Insurers

Reminds insurers that decisions affecting consumers that are made or supported by AI systems must comply with state insurance law, including the Unfair Trade Practices Act, and expects each insurer to maintain a written program for the responsible use of AI systems, with governance, risk management and controls, oversight of third-party systems and documentation the department may request.

Physician read. It places no duty on physicians. Since July 22, 2026, an insurer licensed in Mississippi, including a health insurer, is expected to govern the AI systems it uses across its operations, including claim administration and payment, under a written program and to guard against adverse consumer outcomes.

Applies to: All insurers holding a certificate of authority to do business in Mississippi, including health insurers

Notes: Signed by Commissioner Mike Chaney and addressed to all insurers that hold certificates of authority to do business in the state. The NAIC's adoption map lists this bulletin, adopted July 22, 2026, as Mississippi's adoption of the NAIC Model Bulletin; the bulletin's text follows the model but does not name it (it refers to the Principles of Artificial Intelligence the NAIC adopted in 2020), and it does not mention utilization review or prior authorization. It states no separate effective date or compliance deadline, so the issue date is used.