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Perspective
2026 insurance regulatory outlook
Message from the Deloitte Center for Regulatory Strategy
This year, standard-setting bodies overseeing the US insurance market will be prioritizing, solidifying, and finalizing robust frameworks and real-time models. These insurance updates are designed to help state regulators assess risks, set solvency and capital requirements, and close coverage gaps.
We invite you to explore these topics in depth in our 2026 insurance regulatory outlook. We believe this outlook can help you prepare for the year ahead in the following ways:
- Stay ahead of regulatory change: The document covers major initiatives from the National Association of Insurance Commissioners (NAIC) and state regulators, including new frameworks for artificial intelligence (AI), data governance, and risk management.
- Understand compliance expectations: Learn about upcoming requirements for technology, capital, solvency, reinsurance, and climate resilience.
- Prepare for industry challenges: Gain insights into disaster mitigation programs, privacy and cybersecurity trends, and federal-state coordination.
- Receive actionable guidance: Find practical recommendations for strengthening governance, monitoring regulatory developments, and responding to emerging risks
Whether you’re in compliance, risk management, underwriting, or executive leadership, this outlook is designed to help you anticipate changes, adapt your strategies, and engage proactively with regulatory initiatives. As always, we’re here to help you chart the course.
Irena Gecas-McCarthy
FSI Director, Center for Regulatory Strategy, US Principal | Deloitte & Touche LLP
