NCOIL 2025 Spring Meeting Elevates National Insurance Policy Collaboration
The National Council of Insurance Legislators (NCOIL) held its 2025 Spring National Meeting in Charleston, South Carolina, from April 24-27, marking the organization's highest attendance ever with over 400 participants including 85 legislators from 32 states and multiple insurance commissioners and departments. The meeting covered a broad agenda addressing current and emerging insurance challenges such as prior authorization reform, the use of genetic testing in life insurance underwriting, artificial intelligence applications in insurance, prescription drug affordability boards (PDABs), state resiliency initiatives, and workers' compensation developments.
NCOIL leadership highlighted growing participation and engagement as indicative of the Council’s increasing national influence on insurance policy development. The event included presentations and discussions led by legislators and regulators from various states, with collaborative dialogue involving the National Association of Insurance Commissioners (NAIC) to align state and federal insurance policy perspectives.
Significant focus was placed on the Workers’ Compensation Insurance Committee's exploration of AI’s role in claims and pricing, the development of a new Experience Rating Modification Model Act, and market trends in South Carolina. The Health Insurance & Long Term Care Issues Committee engaged in detailed discussions on prior authorization reform legislation and efforts to improve affordability and transparency in hearing and dental benefits.
The meeting featured a landmark address by U.S. Secretary of Health and Human Services Robert F. Kennedy Jr. announcing a new state-federal initiative to increase access to treatment for sickle cell disease, underscoring the collaborative approach between federal authorities and state legislators.
The Property & Casualty Insurance Committee reviewed reforms in Florida’s property insurance sector and adopted key model legislation aimed at regulating rental home marketplace guarantees. Discussions also included updates on title insurance and the use of aerial imagery in underwriting practices.
Further sessions addressed ongoing regulatory challenges from technological innovations, notably the impact of artificial intelligence on the insurance industry, emphasizing the need to balance consumer protection with the encouragement of innovation.
The Joint State-Federal Relations & International Insurance Issues Committee examined flood insurance and state resiliency programs, federal tax proposals affecting insurance markets, and introduced a Health Savings Account regulatory coordination model act. The Financial Services & Multi-Lines Issues Committee discussed data privacy compliance, developments in the cannabis insurance market, and regulation of the bail bond industry.
Overall, the meeting demonstrated NCOIL’s commitment to fostering multi-jurisdictional collaboration and advancing model legislation to address complex and evolving insurance issues. The organization plans to continue this momentum into its subsequent meetings, with the 2025 Summer Meeting scheduled for Chicago in July. Committee activities and adopted policies aim to guide states in uniform lawmaking to enhance regulatory clarity, market stability, and consumer protection across the insurance sector.