New York wants to stop insurance algorithms from being racist

Prohibits the use of external consumer data and information sources being used when determining insurance rates; provides that no insurer shall unfairly discriminate based on race, color, national or ethnic origin, religion, sex, sexual orientation, disability, gender identity, or gender expression; or use any external consumer data and information sources, as well as any algorithms or predictive models that use external consumer data and information sources, in a way that unfairly discriminates based on race, color, national or ethnic origin, religion, sex, sexual orientation, disability, gender identity, or gender expression; makes related provisions; defines terms.

Introduced· 2025-02-04

Who's it for

Who's it for: Everyday People

What it means for you

7/10Helps you

Good for everyday people ·

Immunity

Plain‑English summary, cross‑checked against the official bill text.

This bill forces insurance companies to prove their computer models do not discriminate against you, but it keeps their actual formulas a secret from the public.

Our take

What we think, in plain words.

Insurance companies use massive amounts of outside data and secret computer formulas to set your rates. This bill is a big step forward because it forces them to test those formulas for hidden bias. If a computer model charges people more just because of their race or gender, the state can stop it. But there is a catch. The bill completely shields the companies' data from public records laws and private lawsuits. The state gets to see the math, but you do not. Still, having a watchdog check the math is much better than letting computers set prices in the dark.

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The facts

What the bill actually says, no spin.

Bans insurance companies from using outside data or computer models to unfairly discriminate based on race, gender, or religion.
Forces insurers to test their pricing formulas for bias and report the results to the state.
Requires the state to hold public meetings before making the final rules.
Protects the companies by keeping their data and formulas secret from public records requests and private lawsuits.
Exempts certain types of insurance, like title insurance and large business policies.