Transcript Highlights:

• Um just 3 months ago, we premiums.
• We're constantly being bombarded: We need lower premiums.
• Their premiums are going to go Alabama.
• . begging us for lower and lower premiums.
• These are the types need lower premiums.

Bills: HB424, SB63, SB269

Keywords: HB424, Montgomery County, sheriff, county sheriff, salary increase, expense allowance, local act, county general fund, retirement contributions, public official compensation, law enforcement pay, elected official salary, Montgomery County legislation, sheriff compensation, term-based salary, immigration, law enforcement, fingerprints, DNA collection, illegal aliens

Transcript Highlights:

• on the KRS side it's strictly premiums on the KRS side it's strictly premiums that<00:07:35.080>
• due to, uh, increase in health premiums due to, uh, increase in health premiums and<00:13:11.960
• Uh um the premium amount increased by?
• Well, what is their premium typically?
• uh premium reductions for a few years. uh premium reductions for a few years.

Keywords: Meeting Start: 00:00:00 Attendance Roll Call: 00:00:12 Approval of Minutes: 00:01:34 Actuarial Valuation Update – KPPA: 00:02:10 Actuarial Valuation Update – TRS: 00:25:32, 958, all

Summary: The meeting began with roll call, confirmation of a quorum, and approval of the prior minutes. The main presentation was from KPPA officials Ryan Barrow and Erin Saratt on the annual actuarial valuations for the retirement and insurance systems. They said the systems’ funding status improved overall, with three of five insurance funds fully funded, CERS hazardous dropping from over 100% funded to 90.9% because of premium changes, and KRS receiving $650 million in supplemental funding over the biennium. They also reported strong investment returns above assumed rates, higher payroll and membership counts, and resulting actuarial losses tied to higher salaries and premiums, especially on the insurance side. Members asked several questions about what drove the actuarial losses and whether legislation affected them. KPPA said the CERS insurance loss was driven by premium increases and Senate Bill 10, while the pension-side losses were largely due to higher payroll and benefits for Tier 1 and Tier 2 members. They explained that new Tier 3 employees are designed to add no additional unfunded liability, and that the state administers the systems but does not directly control all hiring. Questions also focused on retiree health premiums, which KPPA said rose about 15% for non-Medicare retirees and 38% for Medicare retirees, with the increase attributed to utilization, prescription costs, and the Inflation Reduction Act. The committee then heard from TRS Deputy Executive Secretary and General Counsel Beau Barnes on the 2025 TRS actuarial valuation. He reported that the Retirement Annuity Trust and Health Insurance Trust both received full funding, the retirement trust’s funded ratio improved to 61%, TRS 4 remains well funded with no liability, and the health insurance trust improved to 89.1%. Barnes said TRS is on track to fully fund legacy liabilities within the amortization period, with 2044 as the point when the system reflects 100% funding and 2046 as the last year needing additional dollars for the legacy liability. He also explained that lower assumed investment returns and updated mortality assumptions increased liabilities, but that TRS uses direct rate smoothing for budgeting purposes. At the end of the meeting, the chair circulated a proposed set of “do’s and don’ts of pensions,” emphasizing that future legislation should not create unfunded liabilities. Barnes also noted he would later discuss several legislative proposals for the 2026 session, but the transcript provided ends before that discussion or any votes on those proposals.

Transcript Highlights:

• That accounts for about premium tax.
• life based on the first year premiums. life based on the first year premiums.
• And then insurance premium tax million.
• So there does premium tax and other.
• Um and a premium whichever is less.

Keywords: Meeting Start: 00:00:00 Roll Call 00:00:11 Discussion of County Clerks’ Land Records Update 00:02:42 Discussion of Area Development Districts 00:22:48 Discussion of Legislative Measures 00:50:09 Discussion of Local Taxing Sources 01:02:33 Adjournment 01:29:16, 958, all

Summary: The committee first took up an update from the Kentucky County Clerks Association on the transition to electronic recording and land records modernization. Testimony explained that legislation from the 2021 task force created funding and deadlines for counties to provide online search portals and complete a 30-year property record search, with a later move to a 60-year standard. Speakers said the money has been awarded to counties, but much of the work is still in progress because records must be scanned, indexed, and manually verified. They said only a handful of counties are fully compliant with electronic recording so far, while many are still working through staffing and vendor issues. They also noted that the 60-year standard may ultimately be easier and more efficient to complete than the 30-year standard, and that compliance is expected to improve by next summer. The clerks’ representatives also raised related issues, including deed fraud, the county document storage fee, and KDLA digitization grants. They said online recording can make deed fraud easier to attempt, so they expect to seek legislation next session to address it. They described an existing notification service available in many counties that alerts property owners when a document is recorded, which can help detect suspicious activity quickly. They also said the storage fee and separate county account structure has generally worked well, but that two recent KDLA grant cycles have not released money for clerks, limiting support for digitization work. Another topic was whether, once records are fully digitized and verified, some permanent records should remain publicly accessible or be moved to a safer archive under KDLA control. Members asked about the balance in the KDLA fund, what the General Assembly could do to help lagging counties, and how much of the $25 million modernization funding had been spent. Witnesses said they did not have the current fund balance but would try to get it, that the main obstacle now appears to be staffing rather than additional money, and that the funds have been awarded but not fully expended because work is still ongoing. They emphasized that counties are helping one another and asked members to alert association leadership if any county is struggling. The committee then heard a presentation from Dan London, executive director of the Lincoln Trail Area Development District, who described area development districts as regional staff extensions and technical resources for cities and counties, and highlighted their role in coordinating regional services and partnerships across county lines.

Transcript Highlights:

• that have driven a lot of premiums that have driven a lot of premiums upward<01:21:38.040> are
• There's a premium tax that varies from 1.25% to 2% of gross premium that is paid before that insurance
• <01:28:56.639> tax then it they they pay the premium tax then it they they pay the premium
• as a denominator the the total premium as a denominator the the total premium in<01:31:57.440>
• is is the individual companies premium is is the individual companies premium in<01:32:02.639>

Keywords: 928, house, all

Summary: The subcommittee first reviewed its schedule, noting that 13 bills were being executed the next day and that additional subcommittee work would be scheduled around Town Meeting Day and the following session days. The chair explained that the committee would not meet on Town Meeting Day, would handle the remaining bills on the next available subcommittee day, and would continue any unfinished items later in the month. The committee then took up House Bill 774, which concerned Medicare-related coverage issues. Members discussed the bill’s purpose and the differences between Medicare standard and Medicare Advantage, with one member saying the proposal was informative but did not offer a workable solution. The committee also moved to inexpedient to legislate on House Bill 185, and the motion passed on a 6-0 vote. House Bill 241, relating to alternatives to opioids, was retained for further work. Members said the bill raised concerns about insurers effectively practicing medicine and about the lack of evidence on the efficacy of some alternative treatments, while also noting that chiropractic coverage mandates already exist in statute. The committee voted to retain the bill, with the motion passing 6-0. The most extended discussion was on House Bill 648, which would expand insurance coverage for glucose monitoring. Testimony and committee comments focused on whether coverage should be tied to insulin use or instead to a physician’s medical judgment, the role of continuous glucose monitoring for people with type 2 diabetes who are not on insulin, and the potential cost impact. An insurance department fiscal analyst said the original $22-per-member estimate was based on the unamended bill and that the amended version would require updated analysis; members agreed to retain the bill to narrow the eligible population and revisit the language later.

Transcript Highlights:

• If you pay for private health insurance, your premiums are going up.
• And then on top of the premium increases, you add a $400 per family... ...health care premium tax, higher
• We can take $2.5 billion in our budget and create a state premium subsidy.
• They're seeing a tax applied to premiums, all the more reason for us to provide a premium subsidy. $2.5
• There are working families that are going to get sucker punched by these premiums.

Summary: The Assembly convened, initially lacked a quorum, and then completed the roll call, prayer, and pledge. Members observed a moment of silence for the fatal B-52 crash at Edwards Air Force Base in Assemblymember Lackey’s district. The body then handled a series of procedural motions, including re-referrals of numerous Senate bills to different committees, suspending rules for committee notices, and taking up the budget bill, AB 109, without reference to file for concurrence in Senate amendments. Debate on AB 109, the 2026 budget act, centered on competing views of the state’s fiscal condition and policy priorities. Supporters said the budget balances the current and next year’s budget, reduces the structural deficit, builds reserves, protects health care, schools, housing, food assistance, and other safety-net programs, and responds to federal cuts under H.R. 1. Opponents argued the budget increases taxes and costs, shortchanges schools, underfunds Proposition 36, relies on gimmicks, and does not adequately address public safety, cost of living, or long-term sustainability. Several members also highlighted specific provisions such as hospital support, Medi-Cal and IHSS protections, child care, immigrant legal services, prison closure, and funding for courts and victim services. A motion by Assemblymember DeMaio to return AB 109 to the Senate failed on a roll call vote, 13 ayes to 45 noes. The Assembly then voted on concurrence in the Senate amendments to AB 109; the measure passed, and the Senate amendments were concurred in without objection, with immediate transmittal to the Governor. Afterward, the Assembly moved to the daily file and took up SCR 89, a resolution affirming diversity, equity, and inclusion. Supporters from several caucuses framed DEI as a core California value and a response to federal attacks, while opponents criticized DEI as divisive. The transcript ends during debate on SCR 89, before any final vote is shown.

Transcript Highlights:

• So, um, how did you calculate the potential premium amounts collected?
• And so, um, that's why we went the premium route.
• <01:10:10.800> are uh and follow up when the premiums are uh and follow up when the premiums
• <01:10:38.000> as the reason why we pick premiums as the reason why we pick premiums as opposed
• And so um that's why we use went the<01:10:49.280> premium<01:10:49.600> route.

Keywords: 1191, senate, all

Transcript Highlights:

• So, that's why you pay the suppliers that risk premium.
• So, that's why you pay the suppliers that risk premium.
• So, again, we concept of a risk premium.
• ,<01:54:22.280> over talking about risk premiums, over talking about risk premiums, over collections
• There's also the risk premium within utility default service, right?

Keywords: 1191, senate, all

Transcript Highlights:

• Yeah, I just wanted to be more of an advocate on the premium cigar aspect of the business.
• A lot of times people don't really see the premium cigar business separated from smoking in general.
• The premium cigar business [is] separated from smoking in general.
• We'll now hear from Glenn Loop from the Premium Cigar Association. Thank you very much.
• We'll now hear from Glenn Loop from the Premium Cigar Association. Thank you, Mr. Chairman.

Keywords: 995, all

Summary: The Joint Committee on Revenue held a long hybrid hearing on a wide range of tax bills, with testimony covering cigarette and tobacco taxes, nicotine pouches, contractor rental equipment exemptions, aircraft sales tax exemptions, rolling stock, advanced sales tax payments, a gun and ammunition excise tax, a digital services tax, and a psilocybin cultivation/tax proposal. Committee chairs outlined the hearing process and noted that 39 House-filed sales and excise tax bills were being heard for required reporting by November 28. No votes were taken during the hearing. On tobacco-related bills, supporters including Senator Keenan, the American Heart Association, the American Cancer Society, and Tobacco Free Mass backed higher cigarette taxes and closing the synthetic nicotine loophole, arguing the measures would reduce youth initiation, encourage cessation, and offset health care costs. Retailers, wholesalers, and convenience-store groups opposed the increases, warning of smuggling, out-of-state purchasing, and harm to small businesses; premium cigar representatives argued cigars should be treated separately from cigarettes. The committee also heard testimony on H. 3067 and related bills concerning nicotine pouches, with public health advocates supporting taxation and industry witnesses urging a lower, more competitive rate. Several other bills drew sharply divided testimony. United Rentals supported H. 3065 to simplify contractor rental equipment exemption paperwork, while airport and aviation groups opposed bills to repeal the aircraft sales tax exemption, saying it would hurt airport competitiveness and jobs. The Transportation Association of Massachusetts backed rolling stock tax exemptions, saying the current tax discourages fleet investment and interstate commerce. Restaurant industry representatives supported repealing advanced sales tax payments and changing penalty rules, saying businesses were hit with retroactive penalties after unclear pandemic-era changes. On H. 3082, an excise tax on guns and ammunition, gun violence prevention advocates, Roca, and Giffords supported the bill as a dedicated funding source for prevention and survivor services, while sportsmen’s groups opposed it as unfair to lawful gun owners and harmful to conservation funding. The committee also heard testimony on H. 3208, a digital advertising services tax, with Representative Paulino supporting it as a way to capture revenue from online advertising and fund public needs, while the Chamber of Progress opposed it as costly and burdensome for small businesses and campaigns. Finally, multiple witnesses testified on H. 4050 regarding psilocybin cultivation and taxation: advocates from Mass Healing, Roca, the Reason Foundation, and individuals describing personal medical benefits urged a regulated, permit-based system, while the hearing ended after all signed-up speakers were heard and the chair adjourned the meeting.

Transcript Highlights:

• included in Paid Family Leave premium included in Paid Family Leave premium collection<00:20:57.559
• Fifth and lastly is regarding the 50-50 premium split within the Minnesota paid leave program.
• of bargaining, or if public employers retain the premium split as an inherent managerial right.
• Fifth and lastly is regarding the 50-50 premium split within the Minnesota paid leave program.
• The 2026 premium amount estimated in the study was 106.8 million, and in 2027 it was 110.16...

Keywords: 1183, house

Summary: The committee’s first official meeting was framed as an informational session, with the chair saying no legislation would be acted on and that testimony would focus on what is working and not working for businesses and workers in Minnesota. The stated topics included earned sick and safe time, paid family and medical leave, labor shortages, and broader business climate concerns. The chair also noted the absence of DFL members and invited questions to be held until the end so testifiers could present fully. Lauren Shodor of the Minnesota Chamber of Commerce argued that Minnesota’s business climate has worsened because of high taxes, rising costs, regulation, and new workplace mandates. She cited chamber survey and research findings saying more businesses are considering leaving the state, that Minnesota companies are investing more in other states than vice versa, and that the state lags national growth rates. She said employers are especially concerned about earned sick and safe time and the upcoming paid family and medical leave program, which the chamber believes add compliance burdens and costs, particularly for small and medium-sized businesses. Matt Hilgart of the Association of Minnesota Counties said the new leave laws affect county budgets and operations because labor is the main county cost and services are often state-mandated. He said the programs were imposed outside the collective bargaining process and can duplicate existing county benefits, increase costs, and create staffing and service challenges. He asked for changes including clearer premium-sharing language, exclusion of elected officials and short-term election workers from paid leave requirements, better exemption and private-plan rules, coordination requirements for intermittent leave, and more clarity for essential employees during weather emergencies. Owen Worth of the League of Minnesota Cities said cities are facing similar implementation problems, with overlapping leave policies and concerns about stacking state and federal leave rules, and he indicated the league would support changes to reduce administrative and budget pressures on cities.

Transcript Highlights:

• that we are lucky because our premiums that we are lucky because our premiums are<01:34:38.240><
• premiums of striking workers. premiums of striking workers.
• Last year they premium increases.
• <01:56:14.200> And increases or premium increases. And increases or premium increases.
• . premiums. premiums.

Keywords: 1187, senate, all

Transcript Highlights:

• Again, it's not Medicaid, which doesn't have premiums.
• Families pay a premium of $15 between 133% and 150%, or $20 between 150% and 200%.
• Again, families pay a premium of $15 between 133% and 150%, or $20 between 150% and 200%.
• You know, the legislation, you know, we developed six different premium tiers for payment of premium
• I don't have the numbers on the amount of kids who are disenrolled for nonpayment of premiums, but I

Summary: The committee opened with roll call, welcomed members back for the first committee weeks, and heard brief personal updates from several senators before moving into agency implementation updates on recently enacted health care laws. The Agency for Health Care Administration reported on Senate Bill 64 creating rural emergency hospitals, explaining that AHCA adopted the required rules effective June 1, 2025, but that no hospitals have yet been designated. Members asked about possible hospital conversions, accreditation and survey responsibilities, and whether Florida would apply for federal rural health transformation funding; AHCA said it intends to apply and has already been working on the issue with federal officials. AHCA also reviewed the non-emergent care access plan requirement under Senate Bill 7016. The agency said hospitals with emergency departments must submit plans that help redirect non-emergent patients to appropriate care settings while complying with EMTALA, and that 83 plans had been received and 63 approved as of September 30. Members asked about data collection, managed care coordination, and the state’s health information exchange; AHCA said it has moved to a new HIE vendor and will continue monitoring implementation and possible care gaps. AHCA then updated the committee on the TEACH program, saying $6.8 million was spent in 2024-25 across 59 parent organizations and 229 facilities, with more than 1,800 students and nearly 380,000 clinical hours reimbursed. The agency said rulemaking is nearly complete, a new nursing student category and expanded facility eligibility were added, and a federal 1115 workforce waiver remains stalled after CMS signaled it will not approve new workforce demonstrations. AHCA also reviewed House Bill 121 on KidCare eligibility, explaining that implementation of the 300% poverty-level expansion remains blocked by federal litigation and waiver issues tied to premium nonpayment rules; members and public speakers urged action to close the coverage gap. Public testimony on AHCA’s presentation came from representatives of health centers and advocacy groups, who said the non-emergent care access plan has improved hospital-health center coordination and reduced repeat emergency use, and who urged implementation of KidCare expansion for children in the coverage gap. The Department of Health then presented updates on FRAM, the Sanadi screening grant program, the Health Care Innovation Revolving Loan Program, telehealth maternity care, swimming lesson vouchers, and House Bill 159 on pharmacist dispensing of HIV post-exposure prophylaxis. DOH reported strong participation in FRAM and the telehealth maternity program, 24 Sanadi grant awards in 42 counties, 4,945 swimming lesson vouchers issued last year and 2,371 so far this year, and three approved certification courses with five pharmacist certifications issued under HB 159. Committee members asked about recruitment of dentists and other providers, telehealth maternity outcomes, and why participation in the maternity program remains below expected levels; DOH said outreach and regional referral networks are expanding and more detailed outcome data will be included in the upcoming legislative report.

Transcript Highlights:

• down these higher insurance premiums are down these higher insurance premiums are the<01:13:55.679><
• as premiums go up premiums<01:21:35.719> go<01:21:35.920> up<01:21:36.080> you<
• insurance premiums.
• insurance premiums.
• insurance premiums.

Bills: HF1865, HF2014, HF2028

Keywords: mortgage, qualified mortgage, QM, points and fees, conventional loan, consumer lending, home loan, residential real estate, lender fees, service charge, finance charge, closing costs, Minnesota Statutes 47.20, housing finance, borrower protections, cooperative apartment loan, contract for deed, real estate lending, foreclosure, notice requirements

Transcript Highlights:

• And that has premium uh increases.
• These premiums just continue to rise for them.
• premiums just continue to rise for them. premiums just continue to rise for them.
• It's the the premium costs are going up.
• <01:03:17.039> since to me about driving the premiums since to me about driving the premiums

Bills: HF1546, HF2403, HF2389, HF2398

Keywords: fire safety, public safety, statewide fire code, code cleanup, repeal, obsolete statutes, matches, strike-anywhere matches, safety matches, match packaging, match storage, tent safety, flame resistant tents, public assembly tents, flammable materials, fire code modernization, Minnesota Statutes chapter 325F, commerce policy, financial institutions, insurance regulation

Transcript Highlights:

• So we're not saying that our premium is...
• , same concept as premiums, right?
• We as a community, we as taxpayers, we as premium payers...
• It could in the short term lower premiums. It could in the short term lower premiums.
• at the end of the day. ...affects premiums at the end of the day.

Keywords: 916, all

Transcript Highlights:

• I get a per rat based on their insurance premiums at a gross scheme of things.
• It sounds like a PR rata premiums.
• Uh, will this cause premiums presently.
• Please send your premium for your home to this new address.
• Please send your premium<00:28:21.520> for<00:28:21.679> your<00:28:21.840> home

Keywords: Insurance - Room 216, 3 February, 2026; 9:00 AM, 925, all

Summary: The committee took up several insurance and health-related bills. Earlier discussion focused on metastatic cancer step therapy and biomarker testing, with the sponsor explaining that the bills would prevent insurers from requiring patients to try less effective treatments first and would require coverage for biomarker testing to better target treatment. The biomarker bill was described as a product of a summer study committee and was reported favorably. The committee also advanced a bill setting standards tied to the National Association of Insurance Commissioners, and a private residence elevator bill requiring licensing, inspection, and permitting for elevator installers, with an amendment exempting those elevators from annual inspections after the initial inspection. Members then considered a mitigation program for retrofitting homes, with the sponsor saying the Department of Insurance and industry were close to a workable statewide program. The bill would be funded by increasing a fee paid by insurance companies, not policyholders, and would allow use of a third-party administrator capped at 5% of program funds. The committee also reported bills extending the state health plan repealer, extending the LOSAP volunteer firefighter program repealer, and creating a fraud detection trust fund at the Insurance Department to address AI- and cyber-related fraud. The fraud fund bill drew questions about whether it would raise premiums and how it would help investigators; supporters said the fund would support staffing and equipment and that the existing fund had been dormant. Additional bills included a transparency measure for dental insurance spending, which would require reporting on the share of premiums spent on dental services beginning in 2027, and a bill expanding access to self-funded group health plans for members of legitimate professional and trade associations. The committee also heard a Mississippi Patient Protection Act aimed at strengthening willing-provider protections and limiting insurer discrimination against qualified providers; an amendment was proposed to clarify that vision benefit managers would not be treated as pharmacy benefit managers. Most measures were moved by title sufficient due pass and reported without opposition.

Transcript Highlights:

• Balance billing is a challenge for a lot of people who are already paying high insurance premiums and
• already paying high insurance premiums already paying high insurance premiums and<00:07:38.319><
• What will be added to their premiums when we include these extra mandates? I I love all that.
• And there's a lot of increases premiums.
• consumer and premiums. consumer and premiums.

Bills: SB9, HB400, SB9, HB400

Keywords: Alabama Athletic Commission, Attorney General, criminal penalties, unarmed combat, regulation, boxing, mixed martial arts, civil fines, dental insurance, benefit rollover, healthcare, insurance policy, annual maximum, smoking ban, vaping, public health, indoor air quality, clean air, ambulance services, health insurance

Transcript Highlights:

• This is about lowering premiums.
• It will affect the premiums.
• That if we do that premiums will go down because the premiums started going up a couple of years ago,
• That's not why premiums went up. If that was true, then I'll also note, Mr.
• I keep on hearing premiums are going to go down. That's the reason to do this.

Keywords: 996, all

Transcript Highlights:

• > receipts<00:14:46.200> tax Guyal, insurance premium receipts tax Guyal, insurance premium
• Uh, when, under existing statute, certain premium receipts tax may be required if, for example, when
• Uh, when, under existing statute, certain premium receipts tax may be required if, for example, when
• that may be owed on this premium that may be owed on this premium receipts<00:19:39.240> tax.
• paid the premium receipts tax. paid the premium receipts tax.

Keywords: Senate streaming session for Thursday, March 26, 2026, 960, senate, all

Summary: The Maryland Senate convened with 39 members present and a quorum. The session opened with an invocation by Bishop Antonio Palmer of Kingdom Celebration Center, whose remarks were journalized. The President and members also welcomed several guests to the chamber, including former Delegate Sean Terrence, students from Charles H. Flowers High School and Garrison Forest School, Dr. Lee Snyder as doctor of the day, and Dr. Barbara Ann Palmer in recognition of Women’s History Month. The President also noted that the next day would be pro forma and that some scheduled items would be moved to the following week. The Senate considered Executive Nominations Report No. 6, covering gubernatorial nominees for boards and commissions including the State Board of Education, MEDCO, and the University System of Maryland Board of Regents. On motion of the committee chair, the report was special ordered to Tuesday, with members asked to review the list for recusals or related issues. The chamber then took up Senate Bill 890, which concerns an insurance premium receipts tax exemption for captive insurance procured by nonprofit hospitals and health care systems. On SB 890, the Senate adopted the committee amendments and then adopted a floor amendment offered by the bill sponsor. The amendment was described as replacing the bill’s earlier approach with a two-year moratorium on collection of any related liabilities, followed by a Maryland Insurance Administration report back on ongoing investigations. One senator raised concern that the amendment’s language could require the state to refund taxes already paid by hospitals and others, potentially costing millions, and asked for more time to review it; the motion to special order the bill was defeated. After discussion, the amendment was adopted and the bill was ordered printed for third reading. At the close of the floor session, committee and delegation announcements were made, including Finance, Triple E, Judicial Proceedings, Budget and Tax, Executive Nominations, and several county delegations. A senator from District 6 also spoke about the anniversary of the Key Bridge collapse and thanked colleagues for bipartisan work on related legislation and recovery efforts.

Transcript Highlights:

• So if your premiums are the same and what insurance companies measure is risk, then you have a risk tax
• every time your premium is increased because the hospital cost is pretty much the Time your premium
• And if commercial payers are taking in about the same number of premiums in our state as they are in
• Because then you could really know where your premiums are, what's going on, how they're being spent,
• Bill in 2027, because then you could really know where your premiums are, what's going on, how they're

Summary: The subcommittee met to review Arkansas DHS hospital spending and reimbursement methods, with Secretary Janet Mann and Deputy Secretary Misty Eubanks explaining Medicaid hospital payments. They described fee-for-service per diem payments, cost settlements, and the upper payment limit (UPL) program, noting that SFY 2025 hospital payments included $688 million in inpatient/outpatient claims, $473 million in UPL payments, $248 million in cost settlements, and about $47 million in other payments such as graduate medical education and disproportionate share hospital funds. Members asked about why per diem rates vary, how cost settlements work, why UPL applies mainly to private hospitals, and how assessment fees are structured and funded. DHS said the hospital assessment fee is broad-based and uniform, used as the state share to draw federal funds, and that supplemental hospital payments after federal match totaled $548 million with no general revenue used. The Arkansas Hospital Association’s Jody Ann Tritt then gave a broader overview of the hospital landscape, explaining the different hospital types in the state, including critical access hospitals, rural emergency hospitals, PPS hospitals, and specialty hospitals. She said Arkansas hospitals face financial strain, citing a negative 5.18% patient service margin statewide and lower reimbursement than surrounding states. She argued that Arkansas hospitals are paid less than hospitals in neighboring states for similar services, that commercial payer rates and administrative burdens are a major problem, and that Medicaid and Medicare rates remain below cost even with UPL support. She also said hospitals are the backbone of community care, provide emergency and public health functions, and are looking for ways to invest in technology and telehealth but often lack the revenue to do so. Members pressed for clearer data on hospital finances, reimbursement adequacy, and the impact of commercial insurers. Tritt said the association had just authorized a statewide survey to gather updated financial information from hospitals, which she said would take about a year to complete. She also explained that Medicaid pays weekly, Medicare and commercial plans can involve delays and denials, and that hospitals often spend significant resources on revenue cycle work. The discussion ended with a brief update on assisted living reimbursement: DHS said one facility, The Pillars of the Community in Crossett, had announced closure, nine Living Choices waiver clients were being transitioned, and the updated rate study would be available after cost reports are collected, likely before the end of the fiscal year. The meeting then adjourned.

Transcript Highlights:

• of information between the parties regarding coverage during the grace period for nonpayment of premiums
• Do you think your bill will decrease insurance premiums? You're recognized. Thank you, Mr. Chair.
• I do, because all I care about are the citizens of Florida paying those high premiums.
• But at the moment, we have citizens who have paid their insurance premiums.
• We do, in our premiums.

Summary: The committee met to hear five banking and insurance-related bills. HB 1549, an Office of Financial Regulation agency bill to help more efficiently regulate financial institutions, was amended to match Senate companion language and then passed unanimously. HB 1231 would extend physician payment and prior-authorization protections similar to a prior dental law, including limits on virtual credit card payments as the sole payment method; physicians and medical groups supported it as a way to reduce fees and retroactive denials, while insurers were not heard in opposition, and the bill passed unanimously. The committee then heard HB 999, which would make gold and silver legal tender and allow transactions in bullion through electronic debit mechanisms. The sponsor and several proponents framed it as an inflation hedge and economic freedom measure, while questions focused on definitions, transaction costs, and vendor participation. The bill passed on a mostly party-line vote, with one member voting no. The committee also approved HM 4363, a memorial urging Congress to establish a sovereign wealth fund; the sponsor described it as a way to steward national wealth, and the memorial passed with one dissenting vote. Finally, the committee took up HB 1551, which would create a prevailing-party attorney fee framework in insurance contract disputes. The sponsor argued it would restore balance, deter meritless litigation, and help consumers with valid claims recover fees, while insurers, business groups, and defense attorneys warned it would revive one-way fee shifting, increase litigation, and raise premiums. Consumer advocates and some members supported it as necessary to give policyholders meaningful recourse. After debate, the bill passed favorably, with one member voting no.