Wisconsin: AI health laws

Bulletin of March 18, 2025, The Use of Artificial Intelligence Systems in Insurance

Expects insurers to adopt a written AI systems program with governance, risk management and internal audit functions proportionate to the potential harm to consumers, to monitor model drift and validate AI outputs against unfairly discriminatory or inaccurate results, to perform due diligence on third-party AI systems and data, and to produce documentation to the Office on request, and reminds insurers that AI-supported decisions must meet existing insurance laws, including the unfair trade practice and claim settlement rules.

Physician read. It places no duty on physicians. Since March 2025, health insurers in Wisconsin are expected to govern the AI systems they use in decisions that affect consumers and to show the Office of the Commissioner of Insurance their controls on request.

Applies to: All insurers regulated by the Office of the Commissioner of Insurance, including health insurers

Notes: Issued by Commissioner Nathan Houdek and addressed to all insurers and interested parties; it carries no number. The bulletin states no separate effective date; the issue date is used. It does not single out health insurers, utilization review or prior authorization; it cites Wis. Stat. s. 628.34, Wis. Admin. Code s. Ins 6.11 and the corporate governance disclosure rules, and refers to the NAIC's 2020 AI principles. The office's bulletins index lists it under March 18, 2025. The NAIC's map lists it as Wisconsin's adoption of the model bulletin.