Video & Transcript Research : 'premium structure'

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AR

Arkansas 2026 Regular Session

ALC-STATE INSURANCE PROGRAMS OVERSIGHT SUBCOMMITTEE Mar 18th, 2026

ALC-STATE INSURANCE PROGRAMS OVERSIGHT SUBCOMMITTEE

Transcript Highlights:
  • Ultimately, we decided to have those options side by side and structure the benefits to be the same or
  • And then whatever's left over that needs to be revenue to cover the claims is what the premium is to
  • This bundled structure made sense for years.
  • And this bundled structure made sense for years.
  • Obviously, some significant changes in the structure through the Inflation Reduction Act.
Summary: The committee received an update from Grant Wallace on the rebid and possible decoupling of the state’s Medicare Advantage retiree coverage. He said the state is exploring splitting medical and pharmacy benefits for post-65 retirees, with UnitedHealthcare as the incumbent vendor, and that preliminary estimates suggested savings of about $100 to $200 per participant per month. He outlined the expected timeline for final CMS rate announcements in April 2026, with contract amendments likely to come before the committee in May or June after review by the EBD Advisory Commission and State Board of Finance. Representatives from Segal Consulting then reviewed the history and current structure of the Medicare Advantage prescription drug plan, explaining that the plan was adopted after a 2021 recommendation and launched in 2023 alongside the existing Med-Sup option. They said the Medicare Advantage option has produced substantial savings, including a lower monthly rate than the Med-Sup plan and about $40 million in savings from initial enrollment, while also restoring pharmacy benefits for some retirees. The presenters then explained recent federal changes under the Inflation Reduction Act, including major changes to Part D funding, the direct subsidy, and risk-score methodology, which they said have made risk adjustment much more important and are driving interest in separating medical and pharmacy contracts. In response to questions from senators, the presenters said the Medicare Advantage plan covers post-65 teacher and state employee retirees, including retirees from state agencies and K-12 public schools. They also explained that the new Part D structure has reduced out-of-pocket costs for members, with a $2,000 annual cap and lower average member spending to reach it, while shifting more cost to the plan. No votes were taken and no formal action was reported; the committee simply received the update and was told to expect further information after the April rate notice. The meeting adjourned with the committee scheduled to return on May 13.
AR

Arkansas 2026 Regular Session

ALC-STATE INSURANCE PROGRAMS OVERSIGHT SUBCOMMITTEE Jun 17th, 2026

ALC-STATE INSURANCE PROGRAMS OVERSIGHT SUBCOMMITTEE

Transcript Highlights:
  • Still, the premiums are the same or they go up, but then we have to fight to get the medication we need
  • Still, the premiums are the same or they go up, but then we have to fight to get the medication we need
  • If we, I mean, you, I think it's really important that you structure the wording that it needs to be
  • structured, because I don't want to take away your ability to negotiate the best rate in this program
  • You're going to get questions as, okay, well, does that mean that my premium is going down by 11%?
Summary: The State Insurance Programs Oversight Subcommittee met on June 17 and reviewed a series of Employee Benefits Division and Office of Property Risk items. Grant Wallace presented March and April formulary changes, explaining that the updates favored lower-cost generics, re-tiered some drugs, left several new-to-market drugs uncovered pending more evidence, and added quantity limits in some cases. The committee approved those formulary recommendations. The subcommittee also approved a cell and gene therapy policy that would exclude automatic coverage of those therapies and route them through prior authorization and review, with members noting the process should not delay urgent cases and that appeals remain available. Members then discussed a UAMS professional consultant services contract amendment for pharmacy benefit consulting. The discussion focused on confusion over the dollar amount and scope, with Wallace clarifying that the committee was being asked to approve up to $2.596 million, including optional services related to coupon and rebate management that could be used later without returning for another approval. Several members raised concerns about matching the written contract to the approval amount and about the relationship to the current pharmacy benefit manager, but the committee ultimately approved the item with the understanding that any use of the optional services would return to the committee. The committee also reviewed, without objection, a Blue Cross/Blue Advantage third-party administrator contract, a CompSack employee assistance program contract, and approved proposed 2027 employee and public school health plan rates of 9.8% and 4.9% increases, respectively. Wallace also said the UnitedHealthcare rebid was in final negotiation and would return in August. On the property risk side, the committee reviewed permanent rules for the property insurance program, a contingency-fee subrogation contract with Denenberg-Tuffly, and extensions for Sedgwick Claims Management, Actuarial Advantage, and Stevens Capital Management. Members asked about claim-adjustment delays after a major winter storm, and Wallace said performance guarantees and communication requirements had been added, with claims still expected to vary by case. The committee also approved 2026-27 captive insurance program rates, which included no change to minimum deductibles, lower rates for K-12 and higher education, a higher rate for state agencies, and an overall 10% reduction. Wallace said the reductions reflected improved actuarial foundations, better claims management, and the program’s first-year performance. The meeting adjourned after approving the rate item.
TX

Texas 89th Regular

Appropriations Feb 19th, 2025 at 10:30 am

Appropriations

Transcript Highlights:
  • In that particular year, we did not increase premiums at all, we held them at zero.
  • The other thing that they did is design a new benefit structure for employees.
  • And that plan has different benefit structure, different payments than the state.
  • we requested an 8% per year premium increase. that is included in HB 1 is filed.
  • It's very innovative financing structure.
Summary: During this committee meeting, the focus was on discussing critical infrastructure funding, especially related to water supply and flood mitigation projects. Chairwoman Stepney and the Water Development Board presented extensive details regarding the Texas Water Fund, which included $1 billion appropriated to assist various financial programs and tackle pressing water and wastewater issues. Additionally, funding allocations aimed at compromising the state's flood risk and improving water conservation were hotly debated, emphasizing collaboration among committee members and the necessity of addressing community needs in such projects.
NH
Transcript Highlights:
  • , right, if you want to pay the premium, right, if you want to pay the premium, you<01:18:12.480>
  • possible so that our insurance premiums possible so that our insurance premiums are<01:35:32.880
  • structure that these programs have. structure that these programs have.
  • governance structure, and fiscal goals. governance structure, and fiscal goals.
  • > for<06:02:10.320> the your premium that the premiums for the your premium that the premiums
Keywords: 928, house, all
Summary: The committee first heard Senate Bill 47, sponsored by Senator Regina Birdsell at the request of the Insurance Department. The bill would clarify that a birth mother’s health insurance is the primary policy for a newborn’s care unless the mother has no coverage or no employer-sponsored coverage. Birdsell and Insurance Commissioner DJ Benton Court said the measure simply codifies the department’s long-standing interpretation of existing law. Representative Miles asked whether the coverage would extend to a grandchild if a young woman on her parents’ plan had a baby, and Birdsell said it would. The hearing on SB 47 was then closed. The committee next heard Senate Bill 121, introduced by Grant Bosi for Senator Kevin Avard. The bill requires insurers to notify the Insurance Department when they stop writing an entire line of business or, in some cases, when they change Medicare Advantage offerings. Benton Court said the bill was prompted by disruption in the Medicare Advantage market, where consumers and the department were confused by carriers exiting, changing plans, or narrowing offerings. He said the department does not regulate Medicare Advantage itself, but does license the carriers, and the notice requirement would help the department advise consumers; he also said noncompliance could affect a carrier’s license and could lead to fines. Members discussed the notice period, and the department and AHIP indicated support for changing it from 120 days to 90 days to align with federal timing. The hearing was closed with plans to work on an amendment in subcommittee. Finally, the committee heard Senate Bill 247, introduced by Representative Brian Cole, which would prohibit network exclusion for pharmacies that refuse to dispense prescriptions when PBM reimbursement is below acquisition cost. Cole said the bill is meant to stop pharmacies from being forced to sell at a loss. Members questioned whether pharmacies voluntarily enter PBM contracts, whether the bill would raise consumer prices, and whether it would mainly affect independent pharmacies. Cole and others said the issue has changed over time because PBMs now control a much larger share of the market, and that the bill would let pharmacies refuse loss-making fills and direct patients to mail order instead. The discussion also noted that the bill excludes Medicare and Medicaid and that the current proposal does not create a middle-ground option for patients to pay a premium at the counter.
FL

Florida 2025 Regular Session

Ethics and Elections Jan 14th, 2025

Transcript Highlights:
  • FLORIDA IS UNIQUE AMONG THE STATES AND THAT IT'S INSURANCE REGULATORY STRUCTURE IS BIFURCATED BETWEEN
  • WHY DID MY PREMIUM GO UP? WHY DID IT COST MORE?
  • SO IT WOULD BE A SINGLE STRUCTURE OCCUPIED HOME. >> SINGLE FAMILY DETACHED STRUCTURE.
  • OUR PROFITS CONSIDERED IN TERMS OF WHEN THEY ARE COLLECTING PREMIUMS AND IS THERE A MANDATORY REPORTING
  • TO MAKE SURE THAT WHEN THEY COLLECT THE PREMIUMS FROM THE NEWLY INSURED PERSONS THAT THEY ARE TAKING
Keywords: 999, senate, all
NH

New Hampshire 2026 Regular Session

House Commerce and Consumer Affairs (01/28/2026)

Commerce and Consumer Affairs

Transcript Highlights:
  • Either within the same structure or in a detached accessory structure. Okay.
  • compare compared those to auto premium compare compared those to auto premium auto<04:48:55.600>
  • <05:28:15.760> because are going to up your premiums because are going to up your premiums
  • market there and led to premiums market there and led to premiums skyrocketing<05:34:12.878>
  • premium amount for appropriate premium premium amount for that<05:39:57.440> individual.
Keywords: 1189, house, all
KY

Kentucky 2025 Regular Session

Consensus Forecasting Group (9-16-25)

Transcript Highlights:
  • <01:37:59.440> Uh, structural models. Uh, structural models.
  • So there's a little bit of catch-up in the premium setting, and of course the insurance premiums is a
  • tax on the gross value of premium.
  • every $100 in premiums every $100 in premiums uh<02:36:09.200> that<02:36:09.359> they
  • :22.399> tax course the insurance premiums is a tax course the insurance premiums is a tax on<
Keywords: 958, all
Summary: The meeting focused on preliminary fiscal 2026 revenue estimates and the governor’s office request for an official revision to fiscal 2026, with members reminded that any estimate adopted now would not bind the December official estimates. Staff from S&P Global walked through three forecast scenarios—control, optimistic, and pessimistic—based on recent federal tax changes, tariffs, and other policy developments, emphasizing that the outlook remains highly uncertain. Under the control scenario, the presentation projected below-trend real GDP growth of 1.8% in fiscal 2026, slowing to 1.5% by fiscal 2028, with unemployment peaking around 4.5% and the Federal Reserve cutting rates three times to a long-run range of about 2.75% to 3%. The optimistic scenario assumed lower effective tariffs, stronger growth, and better labor and housing outcomes, while the pessimistic scenario assumed a broader trade war, higher effective tariffs, faster deportations, weaker employment and consumer spending, and unemployment rising to about 6.3%. Speakers also noted that the forecast was prepared before later BLS revisions and that recent data on inventories and AI-related investment made the recent quarters look unusually volatile. Members discussed how the current fiscal 2026 outlook compared with earlier assumptions and noted that the eventual revenue revision may be smaller than the spread between the optimistic and pessimistic economic scenarios. The governor’s office and committee members also reviewed sector-specific impacts, including manufacturing, housing, light vehicle production, exports, and consumer sentiment, with particular concern about Kentucky’s auto and housing-related industries. No votes or formal actions were taken in the portion provided.
US

US Federal 2025-2026 Regular Session

US House Floor Proceedings (Wednesday, January 7, 2026)

US Federal House Floor Meeting

Transcript Highlights:
  • premiums rise, and coverage disappear. premiums rise, and coverage disappear.
  • work, health care premiums.
  • the form of higher monthly premiums. the form of higher monthly premiums.
  • Premiums.
  • Premiums, how they devise the premiums, where the premiums going, who's getting the money, what about
AR

Arkansas 2026 1st Special Session

ALC-STATE INSURANCE PROGRAMS OVERSIGHT SUBCOMMITTEE Mar 18th, 2026

ALC-STATE INSURANCE PROGRAMS OVERSIGHT SUBCOMMITTEE

Transcript Highlights:
  • And then whatever's left over that needs to be revenue to cover the claims is what the premium is to
  • Some of the major funding there will come out: national average bid, national average premium.
  • And this bundled structure made sense for years.
  • And this bundled structure made sense for years.
  • Obviously, some significant changes in the structure through the Inflation Reduction Act.
Summary: The committee received an update from Grant Wallace on the state employee Medicare Advantage group plan and the ongoing rebid with UnitedHealthcare. Wallace said the agency is exploring “decoupling” the medical and pharmacy portions of the plan, and that preliminary estimates suggested potential savings of about $100 to $200 per participant per month. He said the final CMS rate-setting process would conclude in April, with a revised contract amendment likely to come before the committee in May or June after review by the EBD Advisory Commission and State Board of Finance. He also clarified that the plan covers post-65 teacher and state employee retirees, including retirees from state agencies and K-12 public schools. Representatives from Segal Consulting then gave a broader presentation on Medicare Advantage and Part D market trends, reviewing Arkansas’s prior decision to adopt a Medicare Advantage prescription drug plan and the savings generated since the 2023 RFP. They explained that the Inflation Reduction Act significantly changed Part D financing by shifting more federal support into a direct subsidy tied to risk scores, which makes accurate risk adjustment more important and creates a larger difference between Medicare Advantage prescription drug plans and standalone Part D plans. They said this has led to a growing divergence in funding, especially for standalone Part D, and is the main reason decoupling medical and pharmacy coverage is being considered. Committee members asked about how the risk-score changes affect costs and members. Segal said the new structure has reduced member out-of-pocket costs, with the annual cap now at $2,000 and many members reaching it after roughly $600 to $800 in spending, but that the plan absorbs more of the cost. They also said the market appears to be adjusting through annual bids, and that a decoupled structure could allow the state to capture more favorable funding on the Part D side. No votes were taken, and the committee adjourned after being told to expect further information once the April rate notice and renewal proposal are available.
MN

Minnesota 2025-2026 Regular Session

House Workforce, Labor, and Economic Development Finance and Policy Committee 3/13/25

Workforce, Labor, and Economic Development Finance and Policy

Transcript Highlights:
  • This legislation hurts lower-income workers by replacing the progressive wage replacement structure in
  • and include mandating a 50-50 premium and include mandating a 50-50 premium split<00:39:51.599><
  • <00:42:16.359> remains contribution structure remains contribution structure remains negotiable
  • <01:03:29.400> split requirement to bargain the premium split requirement to bargain the premium
  • The premium reduction for small businesses doesn't sound like a one-size-fits-all bill.
Bills: HF1976
KY
Transcript Highlights:
  • The work coincides with the current structure project underway at the lodge.
  • c><00:19:37.039> to structures need major improvements to structures need major improvements to
  • The structural repair—you see all those beams are being rebuilt.
  • Uh, many times in structural, that's something you can't do.
  • <00:34:39.359> you structural that's you can't do that. you structural that's you can't do
Keywords: 958, all
Summary: The Budget Review Subcommittee on Economic Development, Tourism, and Energy and Environmental Protection met at 9:00 a.m., approved the June 3 minutes, and heard a presentation from the Department of Parks and the Finance Cabinet on Kentucky State Parks capital projects. Commissioner Mark Keelin and Scott Baker described the scope of the state parks system, the ongoing coordination with DECA/Finance Cabinet, and the status of projects funded through House Joint Resolution 76, House Bill 553, House Joint Resolution 56, and House Bill 6. They said 36 of 44 state parks have received renovations or upgrades, with 66 projects completed and 17 under construction, and outlined work on campgrounds, utilities, wastewater systems, broadband, building systems, safety upgrades, ADA improvements, pools, golf courses, marinas, and lodge accommodations. The presenters highlighted several completed or active projects, including campground upgrades at Carter Caves, Ken Lake, and My Old Kentucky Home; utility and grid-resilience work at parks such as Kentucky Dam Village and Kincaid Lake; wastewater projects at parks including E.P. Tom Sawyer, Carter Caves, Dale Hollow, and Blue Licks Battlefield; and building and hospitality renovations at parks such as Lake Barkley, Baron River, and Cumberland Falls. They also noted completed playground upgrades, lock system replacements, beach refurbishment, and golf course improvements, and said the parks system is managing additional internal projects beyond those discussed. The department emphasized that parks often serve as sheltering locations during disasters and that infrastructure replacement is a high priority. Scott Baker then explained DECA’s role in managing the Commonwealth’s capital construction program, saying it oversees about 1,300 active projects across 28 cabinets and agencies, including 149 parks projects. He described DECA’s team-based approach, with dedicated project managers and field staff assigned to parks, and said monthly status meetings and more frequent check-ins are used to keep projects moving. In response to committee questions, Keelin and Baker said projects are assigned to DECA based mainly on the need for architectural or engineering services, while smaller or less complex work can be handled in-house by parks staff or the P11 construction crew. No votes were taken beyond approving the minutes.
NH
Transcript Highlights:
  • listed some um taxes how tax structures listed some um taxes how tax structures work<00:35:58.480
  • state so again this is a structured state so again this is a structured program<01:29:39.239>
  • traditionally go into setting a premium traditionally go into setting a premium for<01:30:54.239
  • Compensation Insurance causing premiums Compensation Insurance causing premiums uh<01:31:53.320>
  • is paying that premium.”
Keywords: 928, house, all
Summary: The committee first heard testimony on House Bill 437, which would change New Hampshire law on undischarged mortgages by creating a shorter period after which certain old mortgages would be treated as unenforceable. Prime sponsor Representative Bill Boyd said the bill was developed with input from bankers, lawyers, realtors, the Attorney General’s office, and the Banking Department, and he noted a drafting correction needed on line 18. He explained that the proposal would replace current law with a new framework modeled partly on Massachusetts, including a five-year expiration after a stated maturity date and a 35-year period for mortgages without an expiration date. Supporters said the bill would help clear obsolete title defects, reduce costly quiet-title litigation, and make real estate transactions easier for consumers, attorneys, and conveyancers. Representative Mary Hakken-Phillips, Susan Cole of the New Hampshire Association of Realtors, and Michelle Coffin all testified in support, describing the bill as a consumer protection measure. They said undischarged or improperly discharged mortgages often surface during title searches, causing delays, legal expenses, and failed or delayed closings. Coffin and Hakken-Phillips emphasized that many of these cases involve old, effectively obsolete mortgages and that the current process often requires expensive court action even when no one contests the title. Cole described a recent transaction in which a title defect caused a buyer to walk away and later restart the financing process, creating costs for both buyer and seller. A committee member asked about notice to mortgage holders; the response was that the lender bears responsibility for recording and extending the mortgage, and that due process rights would remain if a lender later contested the discharge. Ryan Hill of the New Hampshire Bankers Association said the banking industry had reviewed the bill and was generally comfortable with it, while requesting a delayed effective date so members would have time to adjust their recording practices. He said the bill’s January 1, 2028 effective date reflected that request. After closing the hearing on HB 437, the committee opened a hearing on House Bill 721, the Gold and Silver Legal Tender Act. Representative Juliet Harvey-Bolia introduced it as a bipartisan economic justice bill intended to recognize gold and silver as legal tender, protect against inflation, and address concerns about trust, taxes, and government taking. She argued that gold is a stable store of value and discussed tax treatment in neighboring states, federal history, and digital gold platforms. The hearing on HB 721 was still in progress when the transcript ended, with the chair limiting questions because of time.
FL

Florida 2025 Regular Session

Regulated Industries Feb 11th, 2025

Transcript Highlights:
  • I HAVE HAD SOME UNSAFE STRUCTURE. HERE'S WHAT I CAN TELL PEOPLE.
  • MOST OF THEM UNSAFE STRUCTURES. MOST OF THEM HAVE CODE ENFORCEMENT.
  • CONCRETE STRUCTURES OF THIS TYPE, I PICKED AN ARBITRARY NUMBER.
  • I WILL SUGGEST THIS IS ONE OF THE CHALLENGES OF THE CONDO STRUCTURE AND THE TYPICAL CONDO STRUCTURE TO
  • DO YOU WANT NAIL SALON TECHNICIANS AND STRUCTURAL ENGINEERS?
Keywords: 999, senate, all
FL

Florida 2026 Regular Session

Regulated Industries Feb 11th, 2025

Regulated Industries

Transcript Highlights:
  • That's where the possibility of these structural defects can occur.
  • And the best part of this, Citizens takes that unused premium.
  • They were paying $339,000 a year in wind premium, and we dropped it down to 140.
  • I will suggest that this is one of the challenges of the condo structure.
  • Do you want, like, nail salon technicians and structural engineers?
Summary: The Committee on Regulated Industries met for a panel discussion on current issues affecting Florida condominiums. DBPR Secretary Melanie Griffin highlighted the department’s expanded condo education, complaint, and ombudsman services under HB 1021, including new online resources, board member certification, increased outreach, and broader complaint jurisdiction. She said the division has filled most of its new positions and that the new condo website is intended to improve transparency and access to records and information. Other panelists focused on insurance, inspections, and market impacts. Insurance agent Mike Clarkson said the condo insurance market remains difficult, especially for older buildings, and raised concerns about roof replacement demands, Citizens’ depopulation practices, and the mismatch between reserve studies and insurer timelines. Building officials representative Ron Laceca described challenges with phase one and phase two inspections, including incomplete databases, limited contractor capacity, and the need for local flexibility and better recordkeeping. University of Florida researcher Bill Hughes said his data show the condo market has not suffered a major overall decline from the new laws; he argued the rules have made costs more transparent and may strengthen the market over time. Community association manager Jamie Ballard said the biggest pressures on associations are rising insurance costs and early roof replacement requirements, and she supported board certification while opposing the continuing education exemption for long-tenured CAMs. In committee discussion, members pressed witnesses on whether recent condo laws caused insurance and roof-cost problems, and witnesses generally said those issues are driven more by the market than by the legislation. Senators also discussed possible reforms, including better data collection, clearer reporting duties for managers, and possible changes to insurance and reserve practices. No votes were taken, and the meeting ended with adjournment.
MN

Minnesota 2025-2026 Regular Session

Committee on Health and Human Services - 03/11/25

Health and Human Services

Transcript Highlights:
  • cost report uh cost reporting structure cost report uh cost reporting structure from<00:02:32.319
  • they otherwise be paying in premiums. they otherwise be paying in premiums.
  • <00:35:30.240> We to the premium security account. We to the premium security account.
  • /c><00:43:45.359> premium drove huge premium drove huge premium increases,<00:43:47.280> carriers
  • making double-digit premium increases. making double-digit premium increases.
Keywords: 1187, senate, all
WA
Transcript Highlights:
  • Certain things for windows and other building structures.
  • Premiums do not cover a lot.
  • Certain things for windows and other building structures.
  • Premiums do not cover a lot.
  • Premiums do not cover a lot.
Summary: The committee heard a work session on earthquake insurance, beginning with background from the Office of the Insurance Commissioner. OIC staff explained that earthquake and earth movement are generally excluded from standard property policies, that earthquake coverage is usually purchased through endorsements or standalone policies with high deductibles and relatively high premiums, and that surplus lines are a limited backstop market not covered by the state guarantee fund. They also described parametric insurance and captive insurance as more specialized products generally suited to commercial or governmental buyers rather than ordinary consumers. A second panel of insurance and banking experts focused on commercial earthquake exposure, especially for older buildings, collateralized loans, and potential knock-on effects to banks and consumers if a major quake caused widespread damage. Members asked about consumer impacts, mitigation incentives, inventories of vulnerable buildings, and whether legislation such as prior work on unreinforced masonry could help reduce risk. The Washington Bankers Association said earthquake insurance is expensive and that affordability is a major concern, while also noting banks participate in disaster-recovery planning and would be affected by major regional losses. No votes or formal actions were taken. The committee then received a presentation from the Washington State Institute for Public Policy on its cannabis and Initiative 502 research. WSIPP staff described the agency as a nonpartisan research institute that conducts legislative-directed studies and explained that its long-term I-502 assignment includes periodic reports leading to a final benefit-cost evaluation in 2032. Staff summarized findings from a 2023 report showing that cannabis possession convictions fell sharply after legalization, though some racial disproportionalities persisted, and that closer retail access was associated with higher reported adult cannabis use, more fatal traffic crashes involving drivers from nearby areas, and higher rates of cannabis use disorder diagnoses among Medicaid enrollees. A 2023 youth-focused report found that students attending schools near retailers were more likely to report cannabis use, had more unexcused absences, and were less likely to graduate on time. In the newest 2025 Medicaid study, staff said retail access was associated with higher probabilities of cannabis use disorder diagnoses, related hospitalizations, inpatient treatment, and co-occurring mental health diagnoses, with event-study analysis suggesting the increases appeared after retailers opened rather than before. Members asked about racial disproportionality, the meaning of cannabis use disorder diagnoses, THC and impairment, whether the findings reflected medical versus recreational use, and how the results should be interpreted in light of broader trends and data limitations. No formal committee action was taken.
MN

Minnesota 2025-2026 Regular Session

House Education Finance Committee 4/9/26

Education Finance

Transcript Highlights:
  • The problem is structural.
  • <00:09:33.040> for one district doesn't spike premiums for one district doesn't spike premiums
  • deductible while paying monthly premiums deductible while paying monthly premiums of<00:35:46.200
  • in monthly health care premiums. in monthly health care premiums.
  • So, 85% contribution of premiums for families, 95% for single premiums.
Bills: HF3119
US

US Federal 2025-2026 Regular Session

Hearings to examine insurance markets and the role of mitigation policies. May 1st, 2025 at 09:00 am

Banking, Housing, and Urban Affairs Committee

Transcript Highlights:
  • The valley fire burned 76,000 acres, nearly 2,000 structures, and claimed four lives.
  • And how those costs translate into premiums and frankly ultimately?
  • Gordon, NFIP has been experiencing a decline in direct premiums written. Mr.
  • The average home insurance annual premium rate in the U.S. last year was $2,151.
  • Do you have a sense of how much premiums like how much we We would estimate premiums would go up if NFIP
Summary: The meeting reviewed critical issues surrounding the rising costs and accessibility of homeowners insurance across the United States, particularly in light of increasing natural disasters linked to climate change. Members engaged in extensive discussions regarding the implications for families and the economy, citing significant increases in premiums and decreasing availability of policies in high-risk areas. Supervisor Peysko highlighted the direct impact of federal policies on local communities, emphasizing the growing burden on homeowners as they face skyrocketing insurance costs amidst a backdrop of environmental challenges and regulatory constraints. The committee expressed a unified call to action for bipartisan solutions, focusing on improving building codes and enhancing disaster preparedness measures.
TX
Transcript Highlights:
  • It's very important, Chairman, for us to discuss this and set up a structure.
  • In 2020, I invented the concept of a government-structured strategic Bitcoin reserve.
  • Some don't, and so we don't know, in other words, our premiums...
  • Premiums.
  • premiums paid in the last 20 years.
TX

Texas 89th Regular

Appropriations Feb 19th, 2025

Appropriations

Transcript Highlights:
  • In that particular year, we did not increase premiums at all.
  • And that plan has different benefit structure, different payments than the state.
  • for several years, but this year we in order to maintain the benefit structure.
  • We request an 8% per year premium increase. That is included in HB 1 as filed.
  • That allows us to maintain the benefit structure.
Keywords: 1184, house, all