Video & Transcript Research : 'insurance code'
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MN
Minnesota 2025-2026 Regular Session
Task Force on Homeowners and Commercial Property Insurance 12/16/25
Minnesota House Floor Meeting
Transcript Highlights:
- Um, and, you know, one of the insurance industry's always been supportive of building codes and enforcement
- of building codes.
codes. - enforcement of building codes. enforcement of building codes.
- this into your insurance company. this into your insurance company.
Summary:
The task force approved the minutes from the previous meeting and then reviewed the structure and statutory requirements for its final report. Staff explained that the report must go to the commissioners of commerce, housing finance, and economic development, as well as relevant legislative leaders, and must include a summary of task force activities, adopted findings and recommendations, tort reform recommendations to reduce insurance costs, any draft legislation, and other necessary information. A draft report, likely excluding recommendations and draft legislation, is expected to be circulated before the first January meeting.
Most of the meeting focused on the Fair Plan and whether it could be expanded to help homeowners associations, affordable housing, and common interest communities that are struggling to obtain coverage. Supporters said these groups are facing availability problems and often end up in the surplus lines market, which lacks the consumer protections of the admitted market. They argued the Fair Plan could serve as a third-market option with stronger protections and better access, especially for properties that are having difficulty getting quotes.
Several members and witnesses raised concerns that the Fair Plan was never intended to be a broad affordability solution and warned against using it to artificially lower prices below risk-based levels. They said doing so could shift losses onto other policyholders through assessments and potentially weaken the broader insurance market. The Fair Plan administrator explained that any expansion would require substantial research, staffing, actuarial and underwriting expertise, reinsurance planning, IT changes, and likely assessments or other capitalization decisions, and that the plan would need to focus on a limited subset of properties rather than the entire market. No votes were taken on policy recommendations, and the discussion ended with agreement that more information and scoping work are needed before any formal recommendation is made.
CA
California 2025-2026 Regular Session
Assembly Select Committee on Wildfire Prevention Jun 12th, 2026
Transcript Highlights:
- Hopefully, people have some insurance coverage for the code upgrades for those improvements.
- Hopefully, people have some insurance coverage for the code upgrades for those improvements.
- And insurers did not oppose that.
- I would say, you know, insurers really want to see the codes, the stronger building codes, in the counties
- building codes.
Summary:
The hearing focused on lessons from the 2017 Tubbs Fire and how Santa Rosa, Sonoma County, and local partners have changed wildfire prevention, recovery, and rebuilding practices since then. Assemblymembers emphasized that the region has become a model for the state, with a shift from suppression to prevention, and panelists described improvements in defensible space, home hardening, vegetation management, alerting, and community coordination. The discussion also highlighted the continuing importance of sharing Sonoma County’s experience with other wildfire-impacted communities across California and beyond.
Fire officials and local leaders described specific prevention measures now in place, including Santa Rosa’s vegetation management ordinance, ignition-free/Zone Zero requirements in rebuilding, restrictions on certain mulches, removal of dead and dying trees near roads and defensible space zones, and expanded prescribed burning authority. They also stressed the importance of community organization through block captains, Firewise/COPE-style networks, and the Mark West Area Community Fund. Speakers said these networks helped residents navigate recovery, avoid fraud and bad contractors, coordinate with local agencies, and support neighbors, but they argued that such efforts need more formal structure and stable funding.
Water and permitting officials discussed how the fires changed their work. Santa Rosa Water described new regional coordination, generator and backup power upgrades, emergency training, and lessons learned about wildfire-related contamination in water systems, including the need to restore pressure, flush, and test quickly after a fire. Permit Sonoma said rebuilding was balanced by streamlining permits while still requiring safer, more resilient construction, and noted that reduced fees and one-stop permitting helped speed recovery. United Policyholders described helping residents maximize insurance proceeds, organize information, and avoid scams, while warning that insurance availability and affordability remain major barriers and that insurers are increasingly rewarding risk-reduction measures.
Across the panels, the main policy requests were for faster and more flexible grant processes, more stable long-term funding for prevention and community programs, stronger support for home hardening and defensible space, better training and tools for local governments and legislative staff, and continued attention to insurance and utility-related resilience. No formal votes or actions were taken in the transcript excerpt; the hearing was informational and ended with a transition toward public comment and further discussion of remaining statewide wildfire policy needs.
TX
Transcript Highlights:
- Texas Insurance Code Title 5, Chapter 542A, Section 542.003.
- When reviewing Texas Insurance Code cases, if an insured hires an attorney, the attorney may handle the
- Yeah, I know, I know how much you've had to do with insurance code in Texas and all that stuff, so I
- Does not include pharmacists or pharmacies under Texas Insurance Code 1458.
- The Texas Insurance Code provides coverage for telemedicine services.
CA
California 2025-2026 Regular Session
Assembly Select Committee on Wildfire Prevention Jun 12th, 2026
Transcript Highlights:
- Can't say the same for insurance.
- And insurers did not oppose that.
- And then I would say insurers really want to see the codes, the stronger building codes.
- I want to see the codes, the stronger building codes, you know, in the counties.
- But the reality is insurers will reward communities that have the stronger building codes.
Summary:
The hearing focused on lessons from the 2017 Tubbs Fire and how Santa Rosa, Sonoma County, and state partners have changed wildfire prevention, recovery, and rebuilding practices since then. Opening remarks emphasized that catastrophic wildfire is now a statewide issue, that California has shifted more toward prevention and resilience, and that Sonoma County’s recovery has become a model for other communities. Panelists included fire, water, permitting, community recovery, and insurance experts, who described how local experience has informed broader policy discussions.
Santa Rosa fire and city officials described major changes in prevention and preparedness, including stronger public education, a vegetation management ordinance, an ignition-free/Zone Zero approach, and more detailed community wildfire protection planning. They said these efforts helped reduce damage in later fires, such as the Glass Fire, and noted ongoing challenges with prescribed burning, smoke management, grant delays, and maintaining vegetation treatments over time. Santa Rosa Water described improvements in regional coordination, backup power, generator redesign, and wildfire contamination response protocols after the city became the first utility to identify wildfire-related contamination in its water system.
Community recovery leaders stressed the importance of block captain networks, neighborhood organization, and trusted local information in helping residents rebuild and avoid fraud. They argued for more formal support, training, and funding for block captain programs, as well as better long-term financing for local mitigation work and utility upgrades. Permit Sonoma officials said the county tried to balance speed and safety in rebuilding by streamlining permits, reducing fees, and helping residents rebuild to stronger standards, though they noted the loss of a major BRIC grant has slowed home-hardening outreach.
Insurance advocate Amy Bach said wildfire risk reduction is increasingly influencing insurer behavior, with some companies offering discounts or more favorable treatment for Firewise communities and homes meeting wildfire-prepared standards. She urged continued funding for mitigation grants, better disclosure when insurers use aerial imagery to non-renew policies, and caution against removing wildfire coverage from standard homeowners policies. No formal votes or legislative actions were taken in the hearing; it was an informational discussion intended to gather testimony and policy recommendations.
HI
Hawaii 2026 Regular Session
EIG-WLA, EIG-HOU-WLA, EIG-HOU, EIG Public Hearings 03-19-2026
Energy and Intergovernmental Affairs
Transcript Highlights:
- . codes. codes.
- Not just the plumbing code, but the electrical code, the building code, the residential code, the IEC
- code, the electrical code, the building code, the residential<00:52:16.040>
code, <00:52:16.400 - building codes standards. building codes standards.
- > will<01:30:35.280>
open from insures to insured, which will open from insures to insured
Bills:
HB1700
Keywords:
housing, expedited permits, disabilities, access, functional needs, local government, affordable housing, reporting requirements, 912, senate, all
Summary:
The joint committees heard several housing, land use, and infrastructure bills. HB 6019 HD2 on electric vehicle infrastructure and HB 1728 HD1 on rainwater catchment systems both drew limited testimony and were advanced. For HB 1728, the chairs said they would designate the Department of Health as the regulator and incorporate suggested technical amendments from plumbing and rainwater industry groups. Both measures were reported out with recommendations to pass, with HB 6019 passed unamended and HB 1728 passed with amendments.
HB 1844, which would have required the Land Use Commission to reclassify lands designated for urban growth, drew significant opposition from the Hawaii Farm Bureau and Sierra Club, who argued it would bypass land-use review and threaten agricultural land, water planning, and long-term resilience. Grassroot Institute supported the bill, and the Land Use Commission said the bill raised concerns. After discussion, the chairs deferred the measure in one committee and later the recommendation to pass it with amendments was not adopted in the other committee.
HB 1990 on penalties and liens for unresolved residential zoning violations was advanced with amendments. The chairs adopted Grassroot Institute’s suggested changes requiring any county sale of such property to be at no less than fair market value and requiring excess proceeds to be returned to the owner. HB 2424, which would allow county planning agencies to petition for temporary reclassification of certain agricultural lands to rural, also drew mixed testimony; the Land Use Commission raised due process concerns, and agriculture interests opposed it. One committee advanced it with amendments, but in the other committee the recommendation failed after members cited lack of county support.
The later portion of the hearing began on HB 1738 and HB 1739. HB 1738 would expand county authority to amend district boundaries for housing on parcels over 15 acres; OHA, Sierra Club, and the Hawaii Farm Bureau opposed it, while Grassroot Institute supported it. HB 1739 would require transit-supportive densities in county TOD areas and limit local restrictions; DPP raised concerns about timing, permitting, and conflicts with existing TOD frameworks, while OPSD and Grassroot supported it. The transcript cuts off before final action on these later bills.
FL
Florida 2025 Regular Session
December 11, 2025 - 12:30 PM
Transcript Highlights:
- ANOTHER QUICK ONE IS CODING.
- COMPANY IS USING AN AI TOOL TO MAKE INSURANCE RELATED DETERMINATION, IT'S AN INSURANCE REGULATOR AND
- DIRECTION OF THE INSURER.
- ON INSURERS SELF REPORTING.
- FROM AN INSURANCE COMPANY.
TX
Transcript Highlights:
- casualty insurance, plus about 20% of the health insurance market.
- by the insurer.
- The FAA plan is Texas's residual insurer for homeowners insurance.
- Chapter 2210 of the Texas Insurance Code directs TWIA to operate as an insurance company.
- A reminder, reinsurance is simply insurance for insurance companies.
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Environment and Natural Resources Jun 21st, 2026 at 01:00 pm
Joint Committee on Environment and Natural Resources
Transcript Highlights:
- For example, our building codes.
- code.
- Insure is a nonprofit innovation hub focused on reimagining catastrophe insurance so that it works for
- Insure stands ready to assist communities in the state to promote a more insurable Massachusetts.
- Insurable Massachusetts. Thank you.
Summary:
The committee hearing focused on a broad set of climate, energy, and environmental justice proposals. Early testimony strongly supported the Climate Change Superfund or “Polluter Pays” bill (H.1014/S.58), which would assess the largest fossil fuel emitters for a one-time fee based on historic emissions to fund climate adaptation. Sponsors argued the bill is modeled on Superfund cleanup principles, would target only the largest multinational polluters, would not be passed on to consumers, and would direct a significant share of funds to environmental justice communities. Committee members asked about the number of companies covered, consumer impacts, and whether the bill would address other forms of environmental destruction; sponsors said it was limited to major fossil fuel companies with a Massachusetts footprint and did not cover other pollution sources.
The committee also heard testimony on a fusion energy compact proposal (S.673) that would direct the administration to develop a framework for a New England regional compact to accelerate fusion research, workforce development, and supply-chain growth. Supporters from MIT and the Association of Independent Colleges and Universities said fusion could become a major clean-energy and economic opportunity, but acknowledged the technology is not yet commercially viable and still has unresolved technical, cost, and waste-management questions. Members pressed on environmental impacts, siting, waste, costs, and whether the bill would create a compact or only a framework; sponsors said it would only create the framework and that the administration would need to negotiate with other states.
Another major topic was a pilot program for nature-based climate solutions (H.971/S.??), backed by legislators, Boston Harbor Now, and UMass Boston’s Stone Living Lab. Witnesses said the bill would help speed permits for research and demonstration projects such as living shorelines, marsh restoration, and hybrid “green-to-gray” flood protections, while maintaining safeguards and protecting Indigenous and historic resources. Committee members asked how the proposal would interact with other permitting reforms and whether it could conflict with housing or wetland-related streamlining; supporters said it was complementary and aimed at making projects faster, more affordable, and more data-driven.
The hearing also covered climate-safe buildings and climate adaptation funding bills. Supporters of H.1004/S.583 said current building codes do not adequately account for future flooding, heat, and wind, and the bill would add climate expertise to the building board, allow stretch resilience codes, expand floodplain standards, and create a retrofit program. Related testimony backed H.938/S.572, which would create a dedicated climate and community resilience fund financed by a small fee on property insurance premiums; advocates said it would provide stable long-term revenue for adaptation, especially in environmental justice communities, and help replace unreliable federal funding. One witness from CLF supported the climate-safe buildings and funding bills but opposed S.560/H.939 as too broad. The committee also heard testimony on airport air-quality legislation (H.997) calling for more monitoring and mitigation of ultra-fine particulate pollution around Logan Airport and Massport communities. No votes were taken during the hearing.
CA
California 2025-2026 Regular Session
Assembly Insurance Committee Mar 19th, 2025
Transcript Highlights:
- Sustainable Insurance Strategy.
- stabilize the insurance market and incentivize insurers to write policies in California.
- that the insurance...
- commercial insurance, but we also have to mitigate risk for insurance companies as well, right?
- do I need insurance?
Summary:
The committee first heard AB 597, a bill to strengthen consumer protections for disaster survivors who use public adjusters. The author and the Department of Insurance said the measure would cap public adjuster fees at 15% for claims tied to declared disasters, require clearer contracts, prohibit solicitation during emergency conditions, and allow consumers to rescind contracts that were solicited during prohibited periods. Insurance industry groups supported the bill, while public adjuster representatives opposed it as written but said they were willing to work on revisions. The committee approved the bill and re-referred it to Appropriations; the roll call was ultimately recorded as 16-0.
The committee then held its fourth oversight hearing on the Department of Insurance’s Sustainable Insurance Strategy, with Commissioner Ricardo Lara giving an extensive update on wildfire-related market reforms and consumer protections. He said the recent Southern California wildfires had not derailed the strategy and described actions including advance claim payments, a one-year moratorium on residential non-renewals in affected areas, a new fraud strike team, smoke-damage claim guidance, additional living expense protections, and a consumer claims tracker. He reported more than $12.1 billion in claims paid, over 37,000 claims filed, and more than 7,000 survivors assisted directly. He also discussed related bills and reforms, including AB 597, SB 495, SB 547, SB 429, SB 616, AB 888, and AB 2026.
Members questioned the commissioner about the Fair Plan’s growing exposure, the $1 billion assessment, rate increases, non-renewals, underinsurance, and whether the reforms would actually stabilize the market. Lara said the assessment was already approved, that policyholders would not be hit with one large bill because insurers have two years to recover costs, and that the department was pushing insurers to use catastrophe modeling and reinsurance tools in exchange for commitments to write more policies in wildfire-distressed areas. He said the department expects to see market stabilization by 2026, though he emphasized the timeline depends on insurer participation, implementation of the new regulations, and future disaster activity. Members generally expressed support for the goals of the strategy while pressing for clearer expectations for consumers and faster action on mitigation and market reform.
VT
Transcript Highlights:
- . insurer. insurer.
- have energy codes. have energy codes.
- Energy codes are a subset of building codes.
- codes are a subset of building codes. codes. codes.
- codes? codes?
Summary:
The House first suspended the rules briefly to make announcements, including welcoming former representative Doug Gage to the gallery. It then returned to House Bill 211 on data brokers and personal information, where the Appropriations Committee explained a $50,000 appropriation to the Secretary of State for a consultant-led study on an accessible deletion mechanism for consumers to delete personal data held by data brokers, with interim and final reports due in 2027 and 2028. The committee reported a 9-0-2 vote in favor, and the House agreed to the Commerce and Economic Development Committee’s amendment and ordered third reading.
Floor debate on H. 211 focused heavily on the bill’s deletion and exemption framework. Supporters argued the bill is needed to give Vermonters meaningful control over their data and to prevent data brokers from commingling information for unrelated uses. Opponents warned the bill could conflict with existing federal frameworks such as the Fair Credit Reporting Act, Gramm-Leach-Bliley, and the Driver’s Privacy Protection Act, and could make credit, banking, insurance, fraud prevention, and identity verification harder. In response, the sponsor said the bill uses use-case-based exemptions rather than broad entity-level exemptions, noted testimony from banks, insurers, a data broker, a former data broker employee, and the Attorney General, and said no constitutional concerns were raised. The House ultimately adopted the amendment and advanced the bill.
After H. 211, the House moved to House Bill 577, establishing the Vermont Prescription Drug Discount Card Program. Committee reports from Health Care, Ways and Means, and Appropriations were read into the record, and the Colchester member described the bill as a way to lower prescription drug costs by joining the multi-state Array Rx program. The bill would let any Vermont resident obtain a free discount card for FDA-approved prescription drugs, with claimed savings up to 80% on generics and 20% on brand-name drugs. The House then proceeded to second reading on H. 577.
HI
Bills:
HB1163, HB2113, HB2333, HB2411, HB2583, HB1613, HB1614, HB2590, HB1950, HB1603, HB1707, HB1832, HB2119, HB2155, HB2594, HB2595, HB1929, HB2015, HB2207, HB1619, HB1667, HB1984, HB2140, HB2097, HB1957, HB2503, HB2581, HB1520, SCR55, SR53
Keywords:
commercial drivers license, non-domiciled, federal regulations, commercial learner's permit, citizenship, lawful residency, Department of Transportation, Kainahola Stream, flood prevention, vegetation removal, appropriation, natural resources, transportation, airport special districts, penalties, Hawaii, aeronautics law, public safety, workforce development, sector partnerships
AL
Alabama 2026 1st Special Session
Alabama House Children and Senior Advocacy Committee Feb 4th, 2026
Children and Senior Advocacy
Transcript Highlights:
- I thought that, and it's amending a lot of things that are currently in the code now, and I wanted you
Keywords:
Ebony Alert, missing youth, public safety, law enforcement, racial equity, HB170, supplemental appropriations, Education Trust Fund, Alabama education budget, school funding, K-12 education, local boards of education, textbook adoption, school buses, school safety, charter schools, summer programs, afterschool programs, reading intervention, college and career readiness
MN
Minnesota 2025-2026 Regular Session
Committee on Commerce and Consumer Protection - 03/18/25
Commerce and Consumer Protection
Transcript Highlights:
- agency's oversight of more than 40 industry areas in energy, resources, financial institutions, insurance
- These funds go toward things like increases in compensation and insurance, increased costs of maintaining
- people will lose health insurance people will lose health insurance coverage<00:03:27.200>
fewer - We think that's a wise choice to ensure fire and safety codes are met by those manufacturers.
- We think that's a wise choice to ensure fire and safety codes are met by those manufacturers.
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Financial Services Jun 21st, 2026 at 10:30 am
Joint Committee on Financial Services
Transcript Highlights:
- Insurance coverage remains highly inconsistent.
- If insurance is going to cover what is referred to as gender-affirming care, it is only fair that insurance
- necessary but covered by insurance.
- code.
- The major barrier has been insurance.
Summary:
The committee heard testimony on a wide range of health insurance and public health bills, with most speakers focused on expanding coverage for specific treatments and services. Bills discussed included H. 1187/S. 792 on rehabilitation counselors, H. 1173/S. 692 on patient navigation, S. 2600 on scalp cooling for chemotherapy patients, S. 2599 on medically necessary treatment for port wine birthmarks, H. 1164 on licensed educational psychologists for child and adolescent mental health services, S. 754/H. 1254 on autism diagnosis and treatment by nurse practitioners and psychiatric nurse mental health clinical specialists, S. 714/H. 1137 on infectious disease response and coverage, and S. 791 on making nature a prescriptive therapeutic intervention. Speakers generally argued these bills would improve access, reduce out-of-pocket costs, and address gaps in current insurance reimbursement rules.
Testimony in support emphasized personal stories and clinical evidence. Cancer patients and providers described the benefits of patient navigation and scalp cooling for dignity and quality of life during treatment. Boston Children’s Hospital staff and families said port wine birthmark treatment is medically necessary, can prevent complications, and should not be denied as cosmetic. Rehabilitation counselors and school psychologists argued their services are effective, cost-saving, and underused because they cannot bill insurance. Autism advocates said current insurance statutes are outdated because nurse practitioners and psychiatric nurse mental health clinical specialists already provide evaluations and should be recognized for reimbursement to avoid delays in early intervention. Public health and GLAD Law testimony supported stronger infectious disease coverage to remove barriers to testing, treatment, and PrEP access.
The hearing also included extensive testimony on H. 1172, a bill requiring insurance coverage for detransition-related care. Supporters said it would ensure coverage for medically necessary care for people who regret or reverse gender transition, while opponents argued it would legitimize anti-trans narratives or, conversely, that detransition care is needed because transition procedures can cause harm. The committee also heard strong support for S. 791 from advocates who described nature access as a health intervention that could help with trauma, anxiety, substance use recovery, and environmental justice, with claims that insurance coverage and reduced park fees would improve access. No votes were taken during the transcript, and the chair repeatedly thanked speakers and moved through the long list of public testimony.
ND
North Dakota 2026 1st Special Session
Employee Benefits Programs Committee May 7th, 2026
Employee Benefits Programs Committee
Transcript Highlights:
- Can you imagine a $5 health insurance premium? Five-dollar health insurance premium back then.
- And I wondered if this was more related to tax code than it was to our health insurance, or maybe Derek
- Group Insurance Program.
- Group Insurance Program.
- Group Insurance Program.
Summary:
The Employee Benefits Committee met to hear presentations on state employee health insurance, compensation, leave policies, labor market conditions, and prevailing wage issues, then later took up committee rules and bill-draft jurisdiction. PERS reviewed the history and structure of the state health plan, noting the state has paid the full family premium since 1979, described cost-control and benefit-enhancement changes over time, and explained current plan options, wellness incentives, employer wellness discounts, and the upcoming bid process for the 2027-29 contract. HRMS then presented compensation comparisons showing state classified pay generally trails private and regional markets, with larger gaps at higher-level jobs, and reviewed benefits and leave policies, including the new enhanced annual leave and new-hire leave, the state’s unpaid family leave structure, and varying tuition reimbursement practices. Job Service reported on labor force trends, low unemployment, high labor force participation, job openings, and wage growth, and OMB said there are no state prevailing-wage requirements beyond federal Davis-Bacon rules for federally funded projects.
The committee then considered a proposed amendment to Joint Rule 211 to better align the health insurance mandate review process with recent statutory changes. Members discussed how the rule should reference both the committee’s required actuarial reports and the Legislative Council cost-benefit analysis, and the amendment was adopted on a roll call vote. The committee also discussed how its jurisdiction decisions affect whether a bill draft receives actuarial analysis, with staff explaining that a decision not to take jurisdiction means the bill is not treated as impacting the relevant retirement or health plans for purposes of that analysis.
After that, the committee began reviewing bill drafts for jurisdiction. The first draft, bill draft 33, would automatically renew pre-tax elections for dental and vision coverage during open enrollment instead of requiring annual re-election. Members debated whether it had any actuarial impact, noting the state does not pay those premiums directly, and the discussion was still underway when the transcript ended.
NM
New Mexico 2026 Regular Session
House - Appropriations and Finance Jan 14th, 2026 at 02:15 pm
House Appropriations & Finance
FL
Florida 2025 Regular Session
January 14, 2025 - 01:00 PM
Transcript Highlights:
- Insurance premiums.
- homeowners insurance and now auto insurance as well.
- homeowners insurance and now auto insurance as well.
- and insurance at FSU.
- and to get insurance.
Summary:
The subcommittee held its first meeting on homeowners property insurance, with members from both parties introducing themselves and repeatedly noting that insurance affordability, roof condition, claims handling, and storm recovery are top concerns for their districts. Chair Yeager said the meeting was intended as an educational discussion rather than a legislative debate, and introduced a panel that included Insurance Commissioner Mike Yaworski, consumer Chad Carr, agent Mary Catherine Lawler, insurer executive Melissa Burt DeVries, and policyholder attorney Chip Merlin.
The panel and members discussed major cost drivers in Florida homeowners insurance, including inflation, home age, roof age, mitigation features, claims history, litigation costs, reinsurance, and the Florida Hurricane Catastrophe Fund. Commissioner Yaworski said underwriting has become more sophisticated and that litigation costs, reinsurance, and replacement-cost inflation all affect premiums; he also said litigation is down about 30% and average requested rate increases have fallen from about 22.1% in 2022 to 0.8% today. DeVries said age of home, replacement cost, roof age, and coverage choices can materially change premiums, and explained that reinsurance is a major expense passed through to consumers. Merlin emphasized transparency concerns, argued that insurers are increasingly individualizing risk, and said consumers often struggle with coverage limits, deductibles, and claim denials.
Members asked about flood coverage, hurricane deductibles, managed repair programs, mitigation credits, new insurer capitalization, and whether savings from reforms are reaching consumers. Yaworski explained that flood is generally excluded from homeowners policies and covered separately, that hurricane deductibles are mandatory in Florida and usually around 5%, and that the office tracks savings from reforms through rate filings and insurer discussions. He said the state is updating mitigation discounts and monitoring new entrants closely for solvency and market conduct. Several members and panelists said recent reforms have helped reduce some abuses and litigation, but many consumers are still seeing higher premiums because replacement costs and reinsurance remain elevated. No votes or formal actions were taken.
MI
Transcript Highlights:
- Calendar item 75 is Senate Bill 968, a bill to amend the Insurance Code of 1956.
- President, calendar item 5-8 is Senate Bill 974, a bill to amend the Insurance Code of 1956.
- The calendar item 6-0 is Senate Bill 976, a bill to amend the Insurance Code of 1956.
- Calendar item 6-1 is Senate Bill 977, a bill to amend the Insurance Code of 1956.
- Calendar item 6-2 is Senate Bill 978, a bill to amend the Insurance Code of 1956.
Summary:
The Senate met with 27 members present and a quorum, opened with an invocation and the Pledge of Allegiance, and then moved through a series of motions, recesses, and introductions of bills. Several new bills were read and referred, including measures affecting the Income Tax Act, Natural Resources and Environmental Protection Act, public utilities, nondisclosure agreements, data centers and community benefit agreements, zoning, Medicaid false claims, and the Neighborhood Enterprise Zone Act, with referrals mainly to finance, energy and environment, and housing and human services committees.
In the Committee of the Whole, Senate Bills 592, 49, and 50 were reported without amendment and advanced. On third reading, the Senate passed Senate Bills 900, 820, 966, 967, 968, 973, 974, 975, 976, 977, and 978. SB 900 dealt with the Vehicle Code, SB 820 with election law, SB 966 and SBs 974-978 with housing and insurance-related changes, and SB 967 with the Income Tax Act. SB 966, 967, 973, 974, 975, 976, 977, and 978 all passed on 20-16 votes, while SB 900 passed 35-1.
Senate Bill 973, creating a state-based health insurance exchange as a nonprofit corporation, drew the most debate. Senators Weber, Lindsay, and Halk offered amendments, all of which were defeated after recorded votes; Weber argued for cost controls and consumer savings, while supporters said the bill would give Michigan more control over health care decisions and could lower premiums. Senator Irwin spoke in support of the housing-related package, saying it would help address the state’s housing shortage. Senate Bill 592, concerning the Corrections Code, was also passed after a 31-5 vote, with Senator Lindsay explaining his no vote as concern about how the bill treats juvenile offenders.
The Senate also adopted Senate Resolution 133, urging the U.S. Department of Agriculture to honor commitments to Michigan farmers participating in the Rural Energy for America Program. Senator McCann supported the resolution, citing farm losses from federal rollbacks, while Senator McBroom gave a strong no-vote explanation criticizing state energy policy and the resolution’s framing. The session ended with remarks recognizing Juneteenth and an anecdotal bipartisan exchange between senators before the chamber adjourned until June 23 at 10:00 a.m.
MS
Transcript Highlights:
- Um, this just requires health insurers to cover screenings of postpartum depression.
- <00:04:54.320>
to this just requires um health insurers to this just requires um health insurers - <00:05:01.440>
companies <00:05:01.840>last survey of the insurance companies last - <00:12:44.880>
That code sections are brought forward. - That code sections are brought forward.
Summary:
The committee considered five bills. SB 2567, the Mississippi Pediatric Access to Critical Health Care Protection Act, would allow a border hospital to accept Medicaid patients and payments; it was moved as title sufficient and reported, with one member opposing. SB 2571, the Foster Youth Earn Benefit Protection for Success Act, would require Social Security survivor or disability benefits for foster youth to be used for the child rather than reimbursing the state for foster care costs; the sponsor said the bill follows federal guidance and other states’ practices, and it was reported after a title-sufficient motion, with one opposition.
SB 2708 would require insurers to cover postpartum depression screenings. Senator Boyd said most insurers already do this, and he offered an amendment to strike lines 364-368 because of concerns about step-therapy language; the committee adopted the amendment and then reported the bill. SB 2765 would open code sections related to DHS and Medicaid income verification so Mississippi can respond to federal error-rate penalties tied to SNAP and related programs; Senator Sparks said the state’s 10.69% error rate could trigger about $128 million in annual penalties, and members discussed whether the state’s change-reporting rules may be inflating that rate. The bill was reported.
The final bill, SB 2746, the Older Mississippians Act, was described by DHS as a cleanup measure that updates aging-services statutes, formally designates Mississippi as the state unit on aging, and removes obsolete program references. After brief discussion, it was reported on a title-sufficient motion. At the end of the meeting, Senator McMahan publicly thanked the chair for his work, and the committee then moved to rise and report.
FL
Florida 2025 Regular Session
March 19, 2025 - 10:30 AM
Transcript Highlights:
- Our mission is to basically serve as a state self-insurance fund.
- Insured values have increased quite a bit over the years.
- in order to obtain insurance.
- MGA, and the affiliates and the insurance company underneath, they're performing services for the insurance
- This is hard-coded. We need actual engineers to change code. Hard-coded.
Summary:
The subcommittee heard presentations from the Department of Financial Services and the Department of Business and Professional Regulation, then returned to its ongoing budget workshop with the Department of Management Services. DFS’s Division of Risk Management described its role as the state self-insurance fund, covering about 200,000 employees and 27,000 vehicles, paying roughly $150 million in claims last year, and managing a pilot ETS treatment program for veterans and first responders that had 49 patients and 804 treatments as of the latest report. The Division of State Fire Marshal outlined its fire prevention, training, emergency response, and grant programs, including hurricane deployments, the Florida State Fire College, and several capital and grant requests for roof, courtyard, memorial, and equipment needs. The Division of Rehabilitation and Liquidation explained how it handles insolvent insurers under Chapter 631, currently administering 14 estates with $1.2 billion in assets and $3.7 billion in liabilities, and said no new receiverships had been opened since February 2023. Members asked about grant backlogs, fire truck procurement delays, memorial repairs, and whether affiliate transfers were occurring in insurer liquidations.
Secretary Griffin then updated the committee on DBPR’s implementation of House Bill 1021 on community associations. He said the department had used the new authority to expand education, complaint handling, and ombudsman services, including 10 free standardized courses, a new condo website, and a four-hour board certification course that had already drawn more than 12,000 attendees. He reported that outreach to condominium communities had increased by more than 60%, that complaint filings were up 39% while jurisdictional dismissals dropped to 11%, and that about 81% to 82% of the 65 new positions had been filled. Members pressed him on whether the department had enough authority and funding, how condominium counts are determined, how self-reported structural integrity reserve study data is verified, and whether more public-facing complaint tracking and better reporting from local governments or developers would improve the system.
The committee then resumed questioning Secretary Allende of DMS about outstanding budget and operations issues. Members focused on the delayed People First contract extension required by statute, with the secretary saying the delay involved technical and contractual complexity in moving a legacy hard-coded system to the cloud. They also revisited the state data team and data catalog project, asking why a statutory 2022 deadline had not been met, how the four-person team and broader data staff were organized, how many applicants were considered for key positions, and what each role was doing. The secretary said the catalog work was being simplified into six metadata fields and supported by a broader community of practice, but no firm completion date was given during the exchange.