A novel model-based prognostics and health management (PHM) system has been designed to monitor the health of a photovoltaic (PV) system, measure degradation, and indicate maintenance schedules. Current state-of-the-art PV monitoring systems require module and array topology details or extensive modeling of the PV system. We present a method using an artificial neural network (ANN) which eliminates the need for a priori information by teaching the algorithm "good" performance behavior based on the initial performance of the array. The PHM algorithm was tested on two PV systems under test at the Outdoor Test Facility (OTF) at the National Renewable Energy Laboratory (NREL). The PHM algorithm was trained using two months of AC power production. The model then predicted the output power of the system using irradiance, wind, and temperature data. Based on the deviation in measured AC power from the AC power predicted by the trained ANN model, system outages and other faults causing a reduction in power were detected. Had these been commercial installations, rather than research installations, an alert for maintenance could have been initiated. Further use of the PHM system may be able to indicate degradation, detect module or inverter failures, or detect excessive soiling.