Summary
Sets regulatory expectations for insurers using AI, algorithms, and predictive models in consumer-impacting decisions. Encourages a proportionate written AI systems program covering governance, risk controls, testing, and third-party oversight, and describes examination information requests under existing insurance law.
Healthcare Implications
North Dakota health insurers remain responsible for lawful AI-supported claims and other insurance decisions, including vendor systems. A written AI program is encouraged rather than mandated by this bulletin; investigations may occur whether or not a program exists.