Transcript Highlights:

• And to put a pin in that, that means the enhanced premium tax credits.
• One is called premium alignment, otherwise known as silver loading.
• This is by simply just not paying their January premiums.
• Ingrid mentioned the end of the enhanced premium tax credits.
• That's how the health care system is structured.

Summary: The committee first welcomed new DSHS Secretary Angela Ramirez, who introduced herself and described her background in public service, federal and state legislative work, and health and human services leadership. Members emphasized the importance of building strong relationships with her and noted her focus on protecting services, using strategic approaches in a tight budget environment, and improving partnerships with the Legislature. Ramirez said she wanted to keep communication open and that her priorities would be shaped by what she learns from lawmakers and agency partners. The next work session focused on the West Coast Health Alliance and the broader Governor’s Public Health Alliance. Department of Health and governor’s office staff said the West Coast alliance, involving Washington, Oregon, California, and Hawaii, was formed to coordinate science-based public health guidance, especially around vaccines, return-to-work guidance, and responses to federal changes. They said the alliance is intended to reduce confusion, counter misinformation, and preserve access to evidence-based recommendations, with early actions including vaccine guidance for COVID-19, flu, and RSV, a statement rejecting any vaccine-autism link, and preparation for possible ACIP changes. Members asked about workload and coordination with other regional alliances, and staff said there is informal coordination but no formal regular meetings. The committee then heard from the Washington State Health Benefit Exchange about open enrollment and the effects of federal policy changes. Exchange leaders said the expiration of enhanced premium tax credits, HR1 provisions, and immigration-related eligibility changes are affecting affordability and enrollment, with some customers facing large premium increases and some counties becoming harder to serve. They reported early open-enrollment traffic increases, nearly 10,000 new sign-ups, and nearly 12,000 active coverage drops so far, while noting that many more people may disenroll later if subsidies are not extended. They also described mitigation efforts such as silver loading, Cascade Care Savings, outreach through navigators and community partners, and planning for future HR1 requirements like ending auto-renewal and adding verification steps. In the final work session, staff from the Health Care Authority and Insurance Commissioner’s office reviewed Washington’s health reform history and the state’s current affordability and access efforts. They highlighted past ACA-related coverage gains, continued work on prescription drug affordability, PBM oversight, primary care and behavioral health access, and a pending legislative proposal to preserve access to preventive services. They also discussed federal changes affecting Medicaid and the exchange, including work requirements, six-month redeterminations, and the need to coordinate across agencies to implement new rules. Members raised concerns about network adequacy, provider access, and the complexity of the health care system, while staff said they are trying to mitigate harm, simplify administration, and keep coverage and access as stable as possible.

Transcript Highlights:

• Allowing them to begin driving under controlled, safe, and structured conditions offers an opportunity
• conditions offers an safe and structured conditions offers an opportunity<00:05:09.039> to<00
• Early training, combined with a structured graduated driver's license system, can help teens become safer
• company thereby decreasing the premiums company thereby decreasing the premiums the<00:27:43.200
• <00:27:49.880> are more clear and and the premiums are more clear and and the premiums are

Keywords: Special Guests 00:13 Roll Call 00:39 HB 15 Discussion 01:35 HB 15 Vote 14:03 HB 157 Discussion 17:28 HB 157 Vote 18:42 HB 444 Discussion 19:35 HB 444 Vote 23:12 HB 188 Discussion 25:20 HB 188 Vote 29:37, 958, all

Summary: The committee met with a quorum, approved the prior meeting minutes, and then took up several bills out of order. House Bill 15, sponsored by Leader Rudy, would lower the learner’s permit age to 15 while keeping the graduated driver’s license system in place until age 17. Supporters, including a 14-year-old witness, argued it would give teens more supervised driving experience, align Kentucky with surrounding states, and help families and the workforce. Members raised questions about safety, parental supervision, and regional driver’s license office backlogs, but the bill was reported favorably with a committee substitute attached after a roll call vote. The committee then heard House Bill 444, which would conform Kentucky CDL rules to federal reporting requirements by preventing masking of violations and would lower the age for certain hazmat CDL endorsements from 21 to 18 for in-state use only, excluding school bus endorsements. The sponsor and supporters said the change would help address truck-driver shortages and support delivery of propane, agricultural products, and other hazardous materials. A question was raised about possible insurance cost increases, but the sponsor said companies would decide whether to hire younger drivers and that the bill was intended to keep trucks moving. The bill was reported favorably with expressions of opinion that it should pass. House Bill 157, a Department of Agriculture initiative creating a tag bill for commercial vehicles, was briefly presented and reported favorably with a committee substitute. House Bill 188, dealing with driveaway plates for businesses that transport vehicles for others, was also heard. The sponsor said the bill would clarify how many plates a business needs, reduce insurance exposure, and help keep a Warren County driveaway business in Kentucky rather than moving to neighboring states. After questions about how the plates work and a committee substitute changing the issuing authority language, the bill was reported favorably with expressions of opinion that it should pass. The committee then adjourned.

Transcript Highlights:

• :24.240> increase >> Yes. 3% employee premium increase >> Yes. 3% employee premium
• revenue structures among the 50 states. revenue structures among the 50 states.
• <00:57:40.480> Uh structure in Kentucky for revenue.
• Uh structure in Kentucky for revenue.
• And I think when we are structure.

Keywords: Meeting Start 00:00:00 Roll Call 00:00:11 Executive Budget 00:00:50, 958, all

Summary: The committee met to hear a presentation from Dr. Hicks on the governor’s recommended budget for the next biennium. He reviewed the revenue outlook, noting modest general fund growth, a large rainy day fund balance, and the impact of recent income tax reductions. He said the budget was built around recurring reductions, lower debt service and retirement contribution rates, and the use of excess restricted funds, while protecting K-12 education, Medicaid, postsecondary education, public safety, and pension obligations. Dr. Hicks outlined several major spending and reserve proposals, including $350 million from the Department of Insurance’s excess restricted funds to support Medicaid in the first year, $150 million for the affordable housing trust fund, $125 million for rural hospitals, $100 million to offset lost federal ACA premium tax credits, $75 million for utility assistance, and $50 million for food assistance. In education, the proposal included a phased pre-K for all plan funded by sports wagering tax revenue, a 3% annual salary increase for full-time school personnel, continued full funding of teacher pensions, a 2.5% annual increase in SEEK base funding, and additional support for career and technical education and school facilities. He also discussed Medicaid cost pressures, including higher managed care, pharmacy, behavioral health, and nursing facility costs, and explained the expected effects of federal HR1 changes on Kentucky’s Medicaid program. Those changes include work and community engagement requirements and more frequent eligibility redeterminations for expansion members, which the administration estimated would reduce enrollment by about 4,300 in the first year and 28,000 in the second year. No votes or formal committee actions were taken during the meeting, which was limited to the budget presentation and member questions.

Transcript Highlights:

• Chair, today I spoke with the actuary for OSI and asked about premiums.
• The question has come up a few times. will premiums drop?
• It's driven up insurance premiums, and insurers are pulling back on coverage.
• They don't reduce premiums.
• I have would cause Premiums to drop between 6 and 16. 6 and 16.

Keywords: 996, all

Transcript Highlights:

• No more premiums paid. million dollars. No more premiums paid.
• in our attempt to bring more structure in our attempt to bring more structure and<00:21:37.039><
• insurance premium tax revenues. insurance premium tax revenues.
• life company doesn't write any premium life company doesn't write any premium in<01:03:54.640>
• <04:40:49.360> this maybe the way to structure this maybe the way to structure this is<04:

Keywords: 1189, house, all

Transcript Highlights:

• to have an increase in premiums.
• , and also what the state pays for family and spouses. which is half the premium.
• But that other half of the premium that the employee pays will also go up 8%.
• The legislature did not want us to raise premiums on retirees for that program.
• cost. terms of premium increases.

Keywords: 1184, house, all

Transcript Highlights:

• And I in the homeowners um premiums.
• So direct premiums versus direct losses.
• 400% increases in insurance premiums 400% increases in insurance premiums from<00:47:49.359>
• <00:52:42.880> and cost of the the ex insurance premium and cost of the the ex insurance premium
• They're structured and lines steps in.

Keywords: 1183, house

Transcript Highlights:

• And that would give our timber owners, cutters, a premium on their product.
• And that would give our timber owners, cutters, a premium on their product.
• cutters, uh a premium on their product. cutters, uh a premium on their product.
• <00:24:55.600> on in Mile Lumber a chance for a premium on in Mile Lumber a chance for a premium
• <01:00:18.880> radaron structure for the airborne radaron structure for the airborne radaron

Keywords: 1191, senate, all

Transcript Highlights:

• These factors have led to a sharp increase in insurance premiums.
• minus the amount paid in premiums in 2023, the base of your premium, on residential property valued
• To remain insured and to defray costs of increased premiums,...
• We need to start looking at fire-hardening homes and other structures.
• Why should the state government profit from a 40% increase in premium?

Summary: The Assembly Committee on Revenue and Taxation met under suspense-file procedures, with the chair explaining limits on testimony, position letters, and that bills with fiscal impacts of $150,000 or more would generally be sent to suspense rather than voted on immediately. Several bills were pulled from hearing, and a consent calendar of committee bills later passed 4-0. AB 761 by Addis, the only item initially slated for a vote, was ultimately held over to the next hearing. The committee heard testimony on a series of tax-related proposals. AB 232 would create catastrophe savings accounts for homeowners to save pre-tax money for wildfire, flood, or earthquake-related expenses; it drew support from the Department of Insurance and the California Bankers Association, but was sent to suspense. AB 1443 would exempt tips from state income tax for five years and was supported by the California Restaurant Association and a restaurant owner, but also went to suspense. AB 1435 would provide relief to businesses and property owners facing cleanup and security costs from unauthorized encampments and illegal dumping; it received broad support from business, real estate, trucking, retail, and local government representatives, and was referred to suspense. The committee also heard AB 1428, which would create a California Affordable Child Care Fund financed by a 0.5% tax on income above $10 million; child care workers and SEIU-backed witnesses supported it, while taxpayer and business groups opposed it as harmful to competitiveness and affordability. AB 691 proposed a tax credit for adopting shelter pets and covering veterinary costs, AB 1219 proposed a middle- and low-income personal income tax cut, AB 1354 proposed a credit for increased homeowners insurance premiums, AB 19 proposed an education savings account/voucher-style program, and AB 567 proposed insurance rate stabilization and related tax/fund changes; each drew testimony for and against where present, but all were referred to suspense. The meeting ended with the committee adjourning after the held-over AB 761 item was postponed.

Transcript Highlights:

• number um in terms of of Premium number um in terms of of Premium increases<00:22:41.039> West
• those premiums mitigate those premium<00:22:45.559> increases<00:22:46.120> mitigated<
• also had no material impact on premiums also had no material impact on premiums in<00:22:54.840>
• That the premium went down—that is just the amount that the premium went down.
• that one member gets so their premium that one member gets so their premium premium<00:35:49.599

Keywords: Meeting Start: 00:00 Roll Call: 00:10 SB145 Discussion: 02:23 SB145 Vote: 05:13 SB183 Discussion: 06:13 SB183 Vote: 11:37 HB413 Discussion Only: 16:15, 958, all

Summary: The House Standing Committee on Banking and Insurance met with a quorum and first took up Senate Bill 145, sponsored by Sen. David Givens. The bill would update retail installment contract statutes for automobile sales, allowing retailers with installment contracts shorter than 28 days to begin collections after three days instead of waiting for multiple missed payments, and it also harmonizes a related dollar amount in statute from $10 to $15. The committee asked no questions, and the bill received a favorable expression on a roll-call vote. The committee then heard Senate Bill 183 from Sen. Matt Nunn, with testimony from Chris Nolan of the American Property Casualty Insurance Association. The bill would require proxy advisers acting for the State Retirement System to act solely in the financial interest of current and future retirees and to avoid political or social considerations in shareholder voting recommendations. Supporters argued it would keep politics out of public pensions and align proxy advice with fiduciary duties; members praised the bill and noted Kentucky could be among the first states to adopt such a model. The committee approved the bill with favorable expression after a roll-call vote. The committee also reviewed administrative regulation 808 KAR 9:10 from the Department of Financial Institutions, with no vote required. It then took up House Bill 413, a PBM rebate pass-through bill, with testimony from Sarah Wood of the Diabetes Patient Advocacy Coalition. She said the bill would require 85% of negotiated drug rebates to be passed through to patients at the point of sale, lowering out-of-pocket costs, especially for high-rebate drugs such as insulin, while still allowing 15% to remain with plans. She cited examples from other states and argued the bill would benefit about 650,000 Kentuckians. Hope McClaflin of Anthem opposed the bill, saying it would reduce employers’ ability to use rebates to lower premiums, could disproportionately favor high-cost brand-name drug users, and could create significant costs for state and fully insured plans. Members asked questions about other states’ pass-through rates and the effect on premiums, but no final action on House Bill 413 was taken in the portion of the meeting provided.

Transcript Highlights:

• The new rate structure takes into consideration geography, as well as acuity, and the new rate would
• Because of the premium tax credits that were keeping rising health care premiums lower than they otherwise
• So the more people whose insurance premiums are paid, the more rebates the program gets.
• Overall, the insurance premiums only increased by about $150 per client.
• Last year, the cost of the premiums was about $160 million, and this year it's about $99 million.

Summary: The Appropriations Committee on Health and Human Services heard a presentation on the governor’s proposed fiscal year 2026-27 budget for the health and human services silo, which totals $48.5 billion. Agency leaders outlined major requests for AHCA, APD, DCF, DOEA, DOH, and the Department of Veterans’ Affairs, including behavioral health redesign, Medicaid rate changes, developmental disability services, child welfare and opioid programs, senior services, cancer research, public health initiatives, and veterans’ facility and technology needs. The committee also received an overview of the overall state budget, which was described as $117.4 billion, up 1.1% from the current year. AHCA’s presentation focused on $71.6 million for a Medicaid behavioral health redesign, including funding for residential treatment, a serious mental illness waiver, and higher inpatient psychiatric rates for youth, plus $7.1 million to raise private duty nursing reimbursement in fee-for-service Medicaid, $2.5 million for the background screening clearinghouse, and $124.4 million for the Health Care Connection System (FX). APD requested funding to continue moving people off the pre-enrollment list and to support developmental disability centers, a new forensic facility, an electronic health record system, and higher operating costs. DCF highlighted $81.9 million for eligibility and system integrity, $187.5 million for opioid prevention and treatment, $35.5 million for community-based care lead agencies, and $72.7 million to expand behavioral health bed capacity, including 474 new beds at state hospitals. DOEA sought additional funding for Alzheimer’s services, home care, and community care for the elderly. DOH emphasized $278 million for cancer research and innovation, $5 million for food and product safety testing, $5 million for the Florida FIRST blood-on-ambulance initiative, and $5.7 million for a public lab feasibility study. Veterans Affairs requested funds for facility improvements, cybersecurity, and medication management equipment. Members asked detailed questions about several items, especially the proposed changes to the AIDS Drug Assistance Program (ADAP), which would reduce eligibility and the number of people served. Senators and public witnesses criticized the lack of transparency and urged the department to pause the changes and work with stakeholders; the Surgeon General said the issue was driven by funding constraints and federal changes, not a legal barrier, and that the agency was exploring alternatives. Questions also addressed the Office of Minority Health and Health Equity, the Kids Care/CHIP expansion implementation, the cancer research funding structure, and the timeline and cost of the FX system. Public testimony focused heavily on ADAP, with speakers warning that thousands could lose medication access and calling for community involvement and a review of the program’s finances. The committee adjourned after the presentations and questions, with no votes taken on the budget items during this meeting.

Transcript Highlights:

• uh the benefit structure. uh the benefit structure. >> Repres.<00:32:38.159> Thanks.
• years, we've had our insurance premiums years, we've had our insurance premiums rise<00:34:41.679
• This last year, our premiums were 15%.
• the premium is 30% of our take-home pay. the premium is 30% of our take-home pay.
• Care, but the premiums are very, very expensive.

Bills: HF238, HF3381, HF3754, HF1049

Keywords: microenterprise home kitchen operation, cottage food, home-based food business, home kitchen license, homemade food, prepared food, food entrepreneur, small food business, cottage food law, food safety training, ServSafe, food handler license, agriculture department, Minnesota food law, residential kitchen, local zoning, consumer labeling, allergen labeling, unpasteurized juice, time/temperature control for safety food

Transcript Highlights:

• Let me say something about medical malpractice premiums.
• New Mexico has premiums about the same as Texas and Arizona.
• show you what they're paying in Premiums.
• The issue is they will tell you the aggregate amount of premiums collected.
• get premiums per policy because I don't know how to do that.

Transcript Highlights:

• Sensitive to premium pressure, and yes, the department did say there would be upward pressure on premium
• it's it's putting pressure on premium it's it's putting pressure on premium for<01:13:58.080>
• The reason we're concerned about higher-priced premiums is the higher those premiums go, the more likely
• <01:41:01.040> uh it ends up being paid by the premiums uh it ends up being paid by the premiums
• concerned about higher priced premiums concerned about higher priced premiums is<01:41:08.840>

Keywords: 1191, senate, all

Transcript Highlights:

• <00:26:05.919> So other form of return of premium. So other form of return of premium.
• Um but in this instance if the premium.
• ><00:26:26.799> to<00:26:27.279> premium allocate the money to to premium allocate the
• structure that makes them different. structure that makes them different.
• for premium use those funds for premium stabilization<00:57:27.839> and<00:57:28.880> um

Keywords: 1189, house, all

Summary: The subcommittee took up the pooled risk management program bill and reviewed a new amendment drafted with input from the Insurance Department and Legislative Services. Department witnesses explained that the proposal would move oversight of pooled risk management programs from the Secretary of State’s office to the Insurance Department, add a licensure requirement, preserve the programs’ non-insurer status, and exempt them from third-party administrator licensure. They also described a series of solvency tools in the draft, including financial reporting, risk-based capital standards, minimum capitalization, investment limits, commissioner examination and enforcement authority, rulemaking authority, merger and affiliate-transaction review, confidentiality protections, and a separability clause. A major theme of the discussion was that pooled risk management programs differ from commercial insurers because the risk remains with the member local governments rather than being backed by a state guarantee fund. Witnesses said the bill is designed to emphasize solvency over return of premium and to give the Insurance Department a regulatory “toolbox” to prevent insolvency, including a proposed $5 million excess or stop-loss coverage benchmark, optional accessible policies, and a requirement that boards vote on dividends or premium returns when capital exceeds 600% of risk-based capital. Members questioned how this approach differed from the original Secretary of State bill and whether assessments on towns would still be possible; the department responded that the new framework would allow more flexible oversight and alternatives to immediate court action. The committee also discussed why the statute should continue to say the programs are not insurers, with the department explaining that this preserves their autonomy and avoids applying unrelated insurance laws and premium taxes. Members asked about the department’s workload and were told the department believed it could absorb the new duties without additional funding. No vote or final committee action was taken in the portion provided.

Transcript Highlights:

• He said that today, premiums are the fourth best in the country.
• In fact, the premiums for the $5 million of excess coverage currently are...”
• The bill would also provide, again, to prevent overlapping premium obligations.
• That coverage then will be, I will pay an additional premium. Erie will collect it.
• That premium is then remitted to BRIM.

Keywords: 994, senate, all

Summary: The Senate Banking and Insurance Committee met with a quorum present and first approved the March 4, 2026 minutes. It then took up Engrossed Committee Substitute for House Bill 55, a workers’ compensation cleanup bill from the Insurance Commissioner’s office. Counsel explained that the bill modernizes outdated code after privatization of the workers’ compensation system, repeals obsolete provisions, updates references to the Insurance Commissioner, reduces the Workers’ Compensation Board of Review from five members to three, and makes related technical changes. The committee adopted a strike-and-insert amendment and a title amendment, and then reported the bill to the full Senate with the recommendation that it do pass. The Insurance Commissioner and a senior senator both spoke in support, describing the bill as part of the long-term cleanup of the privatized system and noting the reduced caseload on the Board of Review. The committee next considered Engrossed House Bill 5463, which would lower the required insurance coverage for county boards of education from $1.25 million to $1 million per occurrence and eliminate the separate $5 million excess coverage requirement. BRIM’s executive director testified that the agency had difficulty finding a market partner for the excess coverage and that the premium cost exceeded $5 million, creating a burden for county boards. Some senators raised concerns that reducing coverage could limit recovery for victims in serious claims and that the change might reduce protections for school systems. When the motion to report the bill was put to a vote, the result was tied, and the chair declared the bill not passed. The committee then approved Engrossed Committee Substitute for House Bill 4869, which creates guaranteed issue rights for Medicare supplement policies in West Virginia. Counsel explained that the bill allows certain policyholders to replace a Medicare supplement policy during an annual birthday period without medical underwriting, and also grants a guaranteed issue right for certain individuals losing Medicaid eligibility. The bill also requires annual reporting on premium trends and gives the Insurance Commissioner rulemaking authority. The motion to report the bill to the full Senate with the recommendation that it do pass was adopted. Finally, the committee considered Engrossed Committee Substitute for House Bill 5462 on mine subsidence insurance. Counsel explained that the bill would allow the mine subsidence fund to reduce payments by amounts already received by a policyholder and, as introduced, would bar actions against insurers for claims reported to the board. A proposed strike-and-insert amendment would have replaced the blanket bar with a 90-day pre-suit notice requirement and limits on damages, but after discussion from senators, counsel, BRIM, and the Insurance Federation, the committee rejected the strike-and-insert and also rejected a separate amendment to strike the setoff language. The committee then reported the bill to the full Senate with the recommendation that it do pass, and adjourned.

Transcript Highlights:

• through premium taxes. through premium taxes.
• their insurance premium tax liability. their insurance premium tax liability.
• Uh the insurance premium tax, credit. Uh the insurance premium tax, excuse<00:16:50.800> me.
• calendar year 2026 premium tax return. calendar year 2026 premium tax return.
• taxes in advance, the current premium taxes in advance, the current year's<00:23:12.559> premium<

Keywords: 1189, house, all

Transcript Highlights:

• There is actually a regulatory structure for those folks.
• There is actually a regulatory structure for those folks.
• There is actually a regulatory structure for those folks.
• Specifically for the company or in their structure, and we can certainly...
• It's not structured like a health savings account.

Summary: The Committee on Banking and Insurance met with a quorum present and took up several bills, beginning with SB 834 on health care sharing ministries and insurance agents. Senator Yarbrough presented the bill to repeal a recent restriction on licensed insurance agents marketing or selling faith-based health care sharing programs. Supporters argued the change restores free speech and consumer education while preserving existing consumer protections; opponents said the bill was unnecessary and could increase confusion or misuse of agents and brokers. The committee adopted a title amendment and then reported the bill favorably after debate, with Senator Pizzo raising concerns about consumer reliance and lack of guaranteed coverage. The committee then approved SB 642 on foreign and alien bail bond insurers, SB 394 on reinsurance intermediary managers, and SB 266 on public adjuster contracts. SB 266 would let vulnerable adults rescind public adjuster contracts at any time without penalty; it drew support from consumer and industry groups, with some discussion about estimates and claim work product. The committee also passed SB 832 on residential property insurance transparency, which requires rate transparency reports and a consumer resource center at OIR, and adds a provision excluding land value from homeowners coverage calculations in most cases. Testimony on SB 832 was generally supportive of the transparency goal, though insurers said some of the required cost breakdowns may be difficult to produce as written. The committee next considered SB 1028 on Citizens Property Insurance Corporation, which would create a commercial lines clearinghouse to move eligible policyholders into the private market and reduce Citizens’ commercial exposure. Supporters said it would lower taxpayer risk and improve competition; a speaker suggested additional changes to deductibles, water-damage caps, and repair practices. The bill was reported favorably after a delete-all amendment and supportive debate from Senator Boyd. Finally, the committee passed SB 540 on the Office of Financial Regulation, which adds cybersecurity requirements for certain licensees, updates oversight of investment advisers and money service businesses, adjusts some charter and meeting rules for financial institutions and credit unions, and includes amendments clarifying repossession/deficiency claims, family office exemptions, and virtual credit union meetings. The meeting ended with all of the considered bills reported favorably and the committee adjourned.

Transcript Highlights:

• The way it is structured, their options.
• Some of that instability is already built into premiums, but we're also trying to keep our premiums low
• premiums.
• <00:56:17.160> with<00:56:17.359> higher<00:56:17.839> premiums<00:56:18.839
• > most are correlated with higher premiums most are correlated with higher premiums most rebated

Keywords: 1187, senate, all

Transcript Highlights:

• I'm Caroline Paulus, an Altadena resident living in the burn zone in a standing structure.
• California has experienced some of the highest insurance premium hikes in the U.S., with increases as
• California has experienced some of the highest insurance premium hikes in the U.S., with increases as
• premium. the Little Tokyo Service Center, a community development nonprofit, had insurance premiums
• But these strategies only provide short-term relief, where what we need are structural solutions to the

Summary: The Assembly Housing and Community Development Committee heard several housing-related bills. SB 996 by Senator Padilla would let manufactured homeowners opt to title their homes as real property, with supporters saying this would improve access to conventional mortgages, consumer protections, and lower-cost financing. SB 866 by Senator Blakespear would require cities and counties to include homelessness-related information in their annual housing element reports, with supporters saying the bill would improve transparency, regional coordination, and accountability around homelessness funding and services. The committee also heard SB 1090 by Senator Perez, which would impose a temporary moratorium in Altadena on certain state housing density laws after the Eaton Fire. Supporters, including Supervisor Catherine Barger and many Altadena residents, argued the bill would protect fire survivors from speculative investors and give families time to rebuild and return home. Opponents argued the bill could limit tools that homeowners need to finance rebuilding and could reduce future housing production. After extensive testimony, the committee passed SB 1090 to the Assembly Local Government Committee on a 10-0 vote. SB 1388 by Senator Durazo would create an Affordable Housing Risk Reduction Program to help affordable housing providers reduce insurance costs through technical assistance and risk-mitigation support. Supporters said rising insurance premiums are threatening the viability of affordable housing developments and existing units. The committee also reconsidered and then voted on SB 1092, which was taken up only for reconsideration and final vote; after a split vote, the bill ultimately passed the committee. Final recorded votes showed SB 866 and SB 996 passing unanimously, SB 1388 passing with one no vote and one not voting, and SB 1092 passing 7-5 after reconsideration.