12/24/2025
Insurance Department Priorities Could Impact Pharmacy Operations
Arkansas Insurance Commissioner Jimmy Harris recently outlined his priorities for his first year in office, stating:
"My top priority as commissioner is protecting Arkansas consumers and ensuring a fair, stable insurance marketplace. We are exploring ways to deliver our services to consumers, insurance agents and companies more effectively and efficiently by modernizing our systems, breaking down internal silos, and leveraging additional technology in our licensing and complaint handling processes. We will also take steps to support property insurance markets by enhancing mitigation and resilience efforts through the implementation of the Strengthen Arkansas Homes Program. This is a program designed to make homes more resistant to wind and hail damage by helping homeowners retrofit or build homes to meet Fortified Home construction standards. Act 427 also ensures Arkansans receive a discount on their homeowner’s insurance policy if they build or retrofit their home to meet these standards. Finally, we will continue to focus on an evolving insurance market that is increasingly using artificial intelligence technology in underwriting and claims handling. Most insurance laws, written many decades ago, did not contemplate how AI fits into unfair claims practices, rating laws and claims handling. We will continue to encourage innovation, but we must ensure responsible data management practices, strengthen transparency and disclosure requirements, and safeguard against systems that may produce unfairly discriminatory outcomes."
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From storm-related losses to rising premiums, Jimmy Harris explains the biggest challenges facing Arkansas’ insurance landscape and how the state plans to respond.