全美保险监督官协会11月12日汇编：州监管者吁保险顾问当好新任官员参谋，热议医保税收抵免与超级智能
全美保险监督官协会（NAIC）11月12日新闻汇编汇总了多位州保险监管官员近期的公开表态。
在 Protectors 2026 活动上，俄克拉荷马州保险专员 Glen Mulready 呼吁保险顾问主动联系明年上任的州与联邦新官员，「你们要成为这些人的参谋」。谈到医保增强税收抵免时他说，这项抵免本为临时措施，与其骤然终止，不如平缓退出。对于 Medicare Advantage 市场，他指出多州正出现医疗服务提供者退出该产品的情况，造成重大扰动。
田纳西州保险专员 Carter Lawrence 谈到超级智能（SI）时表示，他既看到其前景也看到风险，并担忧社会对失业规模的适应能力；不过他对现行监管框架有信心，认为足以处理消费者保护与非法歧视问题。他同时指出，SI 可帮助保险公司提高速度、改善客服并降低内部成本。
南达科他州保险总监 Larry Deiter 则强调技术在帮助消费者做更明智保险决策上的价值，并提醒顾问们随着寿命延长，应更多参与客户的长寿规划。
（来源：全美保险监督官协会）
NAIC NewsWire November 12: Regulators Urge Advisors to Be a Resource for Lawmakers, Weigh Tax Credits and Super Intelligence
The National Association of Insurance Commissioners (NAIC) NewsWire for November 12 rounded up recent public remarks by state insurance regulators.
At the Protectors 2026 event, Oklahoma Insurance Commissioner Glen Mulready urged agents to reach out to new state and federal officials taking office next year, saying, “You need to be a resource for these folks.” On the enhanced health insurance tax credits, he said they were meant to be temporary but favored a “glide stop instead of a hard stop,” and noted that states are seeing providers pull out of Medicare Advantage, causing major disruption.
Tennessee Insurance Commissioner Carter Lawrence said of super intelligence (SI), “I see a lot of promise, but there’s a lot of risk,” expressing concern about society’s ability to adjust to job losses, while voicing confidence that the existing regulatory framework is sufficient to protect consumers against illegal forms of discrimination. He also noted SI can give insurers better speed, better customer service and lower internal costs.
South Dakota Insurance Director Larry Deiter emphasized the value of technology in helping consumers make more informed insurance decisions and said advisors must get more involved in clients’ longevity planning.
(Source: National Association of Insurance Commissioners)
来源：全美保险监督官协会
发布：GSM·美国（发布链接）
图片来源：图：Kansas City 市区，全美保险监督官协会总部所在地。Brian Hillegas 摄，CC BY 2.0，经 Wikimedia Commons。 / Photo: Downtown Kansas City, Missouri, home of the NAIC headquarters. By Brian Hillegas, CC BY 2.0, via Wikimedia Commons.
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