Risk & Insurance

The Nuclear Threat Initiative is calling for a rethink of how insurance and legal liability apply to AI-enabled biology, arguing that existing frameworks were not designed for a world where artificial intelligence tools can lower barriers to dangerous biological experiments. The publication urges insurers, regulators and policymakers to clarify who bears responsibility when AI systems contribute to biological harm.

Health insurance premiums in the United States are expected to rise significantly in 2027, according to CNBC. The warning highlights the expiration of enhanced Affordable Care Act subsidies at the end of 2025, which analysts say could sharply increase the cost of marketplace coverage. Insurers are also citing rising medical costs and sicker risk pools. Consumers and financial commentators are urging people to budget now for higher healthcare costs.

A new report identifies US states where residents have already relocated because of climate change impacts such as flooding, hurricanes, wildfires and extreme heat. Coastal and Gulf states are typically highlighted, with people moving inland or to less exposed regions. The findings feed into wider debate about managed retreat and where Americans will live as climate risks grow.