Summary:
Le 26 mars 2025, le Comité de l’Innovation, de la Cybersécurité et de la Technologie a examiné l’utilisation de l’intelligence artificielle (IA) dans le secteur de l’assurance. Un rapport a souligné que 92 % des assureurs de santé prévoient d’utiliser l’IA, avec un accent sur l’amélioration des pratiques de gestion des données. Le Comité a discuté du cadre réglementaire de la NAIC pour l’IA, visant à établir des principes et une supervision adéquate pour garantir la protection des données et l’utilisation éthique de cette technologie.
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On March 26, 2025, the Innovation, Cybersecurity, and Technology (H) Committee met at the Spring 2025 US National Meeting of the National Association of Insurance Commissioners (NAIC). The meeting covered various topics, including reports from multiple working groups.
**Adoption of Task Force and Working Group Reports**: The H Committee received updates from the Big Data and Artificial Intelligence (H) Working Group, the Privacy Protections (H) Working Group, and the Cybersecurity (H) Working Group.
**Big Data and Artificial Intelligence Working Group**: A report was provided on a survey analyzing AI and machine learning usage among 93 health insurers across 16 states. Key findings included that 92% of respondents utilize or plan to use AI/ML, and 79% employ it for strategic operations. The group also discussed the NAIC’s Regulatory Framework for AI, outlining steps for defining principles and regulatory oversight. An emphasis was placed on improving data hygiene practices due to the prevalence of missing data in risk assessment.
**Privacy Protections Working Group**: This group continues to work on amending the Privacy of Consumer Financial and Health Information Regulation, aiming to release a full draft by the end of 2025.
**Cybersecurity Working Group**: They are developing a cyber data wish list and assessing a centralized portal for incident notifications. Guidance on compliance assessments with the Insurance Data Security Model Law is also being developed.
**Federal Activities Update**: The NAIC staff provided updates on federal activities related to AI and cybersecurity, including nominations and legislative efforts like the reintroduction of the Insurance Cybersecurity Act of 2025.
These discussions and actions reflect ongoing efforts to enhance regulatory frameworks in response to technological advancements and risks.