Last Updated: July 2026
State-by-state survey of balance billing laws, surprise billing protections, dispute resolution, disclosures, and patient safeguards.
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Only state regulators could complicate an effort to simplify the regulation of surplus lines.

As businesses increasingly integrate artificial intelligence into operations, inconsistent state rules pose risk and compliance challenges.

While Congress struggles to pass meaningful policy on insurance, state legislatures are racing ahead on issues including PBM reform, disaster readiness, and AI oversight.