Video & Transcript Research : 'rate decoupling'
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HI
Hawaii 2025 Regular Session
House Chamber - Tue Mar 4, 2025, 9:00 AM HST - Day 25
Hawaii House Floor Meeting
Transcript Highlights:
- <01:15:30.080>
payers <01:15:30.600>our costs to our rate payers our costs to our rate - , they cannot access capital at a reasonable rate, and that becomes rate-based.
- <01:20:41.320>
payers utility which impacts rate payers utility which impacts rate payers - >
how <01:20:51.560>rates <01:20:52.280>are rate based that's already how rates - are rate based that's already how rates are work<01:20:53.800>
and <01:20:54.000>so <01:
MN
Minnesota 2025 1st Special Session
Legislative Commission on Pensions and Retirement - 04/22/25
Minnesota Senate Floor Meeting
Transcript Highlights:
- <00:02:49.440>
of mortality, payroll growth and rates of mortality, payroll growth and rates - And then third, as was mentioned, it makes the contribution rate is the 15-year amortization rate, not
- rate is the 15-year<01:59:46.320>
amortization <01:59:47.119>rate, <01:59:47.440>not - <01:59:47.599>
the 15-year amortization rate, not the 15-year amortization rate, not the 30 - the recommended contribution rate. the recommended contribution rate.
HI
Hawaii 2025 Regular Session
CPC/CPN Joint Info Briefing - Wed Dec 17, 2025 @ 9:30 AM HST
Hawaii House Floor Meeting
Transcript Highlights:
- Um, subsequently the HPIA filed a rate increase, but the reinsurance costs continue to exceed the direct
- Um, subsequently the HPIA filed a rate increase, but the reinsurance costs continue to exceed the direct
- is really instrumental to helping insurers maintain some rate parity.
- It's covered in the rates that the HHRF is charging.
- It's covered in the rates affordable.
Summary:
The joint committees held an informational briefing on efforts to expand insurance capacity in Hawaii’s property market, especially for condominium and homeowners coverage. The Insurance Commissioner reviewed the background: a legislative task force, the governor’s emergency proclamation in August 2024, and Senate Bill 1044 in May 2025 led to new condo insurance products. He said the work over the past two and a half years was producing positive results and introduced representatives from HPIA and HHRF/HHR to provide updates.
HPIA’s board chair and its administrator described the organization’s history, structure, and current products. HPIA said it was created in 1991 as a residual market for homeowners insurance, now writing four residential products: HO2 homeowners, renters, HO6 condo unit owners, and dwelling fire. They reported policy counts have grown again as admitted-market carriers tightened underwriting, and they discussed financial pressure from reinsurance costs, though those costs had declined in 2025 after different purchasing decisions. They also said the market has become more favorable overall, with some capacity returning and deductibles beginning to ease.
Members focused much of their questioning on HPIA’s proposed higher dwelling limits. HPIA explained that the current $450,000 limit for homeowners and dwelling fire was set in 2023, but agents are now asking for a higher limit in the $650,000 to $750,000 range because construction costs have risen and many policies are not being submitted when the limit is too low. HPIA said it has the authority to raise the limit through a filing with the Insurance Division and expects more submissions if the cap increases. They also discussed the shift in the book of business from roughly 70% lava-zone coverage to closer to a 50/50 split between lava and non-lava risks.
HPIA outlined strategic initiatives: a new policy administration system that went live October 1 and now allows online payments, online claims reporting, and electronic notices; a filed request to raise the homeowners and dwelling fire limit to $650,000 effective March 1 for new business and April 1 for renewals; an increase in the HO6 condo unit owners limit from $5,000 to $100,000; and a planned commercial property all-other-perils-excluding-hurricane condo product targeted for filing by January 31. No votes were taken, and the meeting was informational only.
MN
Transcript Highlights:
- Our failure rates have also dropped 62%, which makes our overall school failure rate now just 5%.
- Our failure rates have also dropped 62%, which makes our overall school failure rate now just 5%.
- Our failure rates have also dropped 62%, which makes our overall school failure rate now just 5%.
- Our failure rates have also dropped 62%, which makes our overall school failure rate now just 5%.
- chronic absenteeism on failure rates. chronic absenteeism on failure rates.
OK
Oklahoma 2026 Regular Session
Business and Insurance 2ND REVISED Feb 26th, 2026 at 09:30 am
Business and Insurance
Transcript Highlights:
- Losing our local pharmacies at a quick rate, and we have some bills today that will help remedy that.
- and transparency so that employers employers, taxpayers, and health plans are charged appropriate rates
- The rates they're paying their subsidiaries, I suppose, as a result of them being vertically integrated
- Is there a way to do that rather than base it on the federal reimbursement rate?
- Is there a way to do that rather than base it on the federal reimbursement rate?
Keywords:
prosthetics, health insurance, medical necessity, patient rights, insurance liability, pharmacy benefits manager, healthcare providers, claims processing, reimbursement, insurance regulation, employees insurance, contract awarding, certifications, state procurement, insurance plan, mental health, substance use disorders, utilization review, benefit coverage, pharmacy
ND
Transcript Highlights:
- In 2023, 79% of Jefferson students were rated as novice in English language arts.
- In 2023, 79% of Jefferson students were rated as novice in English language arts.
- In 2023–24, they had 62% of their students rated as novice in math.
- contributions are increasing at a more modest rate.
- You can't have a graduation rate that is 67% or, sorry, 66% or lower.
NH
New Hampshire 2026 Regular Session
Joint Legislative Performance Audit Oversight Committee (03/06/2026)
Transcript Highlights:
- So I I think as far as the broader rate.
- This is a very small error rate or fraud rate in SNAP, and yet we were over the threshold for getting
- this this is a very small error rate this this is a very small error rate or<01:25:12.400>
fraud - >> And and and and again the the error rate >> And and and and again the the error rate
- And so an error rate can be wrong thing.
Summary:
The committee chair opened by explaining that the committee has expanded from a traditional audit-follow-up role into an oversight role focused on whether audit recommendations are implemented and whether controls are in place to detect fraud. He said the committee was concerned about fraud uncovered in social service programs in other states and wanted to understand New Hampshire’s safeguards, especially around major contracts and program performance.
Charles Buchanan, director of the New Hampshire Medicaid Fraud Control Unit, and investigator Tim Brackett described the unit’s structure and mission. Buchanan said the unit, housed in the Attorney General’s Criminal Justice Bureau, investigates and prosecutes fraud by health care providers serving Medicaid beneficiaries, as well as abuse, neglect, and financial exploitation of residents in health care facilities. He outlined common Medicaid fraud schemes such as billing for services not rendered, upcoding, using unqualified staff, drug substitution, kickbacks, supplemental charges, and inflated customary charges. He also described resident abuse/neglect and drug diversion in hospitals, nursing homes, and assisted living settings. Brackett said his role is financial investigator/auditor and noted the unit is grant-funded and must include a prosecutor, investigator, and auditor.
The witnesses then explained how cases reach the unit and how they are handled. Most referrals come from the state Department of Health and Human Services’ program integrity unit and from managed care organizations’ special investigations units, which look for fraud, waste, and abuse and refer credible allegations. Other sources include qui tam whistleblower actions, the national Medicaid Fraud Control Units association, citizen complaints, provider referrals, adult protective services law-enforcement referrals, local law enforcement, and federal agencies. Once a referral is received, the unit can accept or deny it; accepted matters may be investigated criminally or civilly, while nonviable matters can be referred back to HHS or other agencies for administrative action, including repayment demands and reimbursement offsets. No votes or formal committee actions were taken in the portion provided.
MN
Transcript Highlights:
- So the state uses its uh bonding authority and excellent credit rating to secure us the lowest rates
- >
rates <00:04:15.280>possible <00:04:15.599>so secure us the lowest rates possible - <00:57:51.119>
rents The higher rents and market rate rents The higher rents and market rate - interest rate savings for the state. interest rate savings for the state.
- building debt uh for some interest rate building debt uh for some interest rate savings<01:10:25.600
FL
Florida 2026 5th Special Session
Appropriations Committee on Criminal and Civil Justice Feb 12th, 2026
Transcript Highlights:
- We keep emergency medical transport at reimbursement rates not to exceed the Medicaid allowable rates
- We currently have it at the Medicaid allowable rate.
- Our proposal in the amendment is that it may not exceed 110 percent of the Medicare allowable rate.
- We also keep the carve-outs, with room for community health care providers to negotiate rates above 110
- percent of the Medicare allowable rate if they enter into an agreement to: one, provide health care
Summary:
The Criminal and Civil Justice Committee met with a quorum present and began with a notice that the committee would not present its budget that day, instead planning to roll it out the following week in coordination with House counterparts and Senate notice requirements. The chair also noted several members were excused or late, and the committee proceeded to the agenda items.
The committee heard CS for SB 760 by Senator McLean, relating to violations of pretrial release conditions for violent crimes. There was no debate, and the Florida Sheriffs Association waived in support. The bill was reported favorably by roll call vote. The committee also took up SB 1536 by Senator Pizzo on digital voyeurism, described as expanding the reasonable expectation of privacy to include a privately fenced yard; no questions, appearances, or debate were recorded, and the bill was closed on without further action noted in the transcript.
Next, the committee considered SB 102 by Senator Yarbrough on inmate services. A leave-filed amendment was adopted that addressed correctional facility maintenance and repair deductions, Medicaid supplemental reimbursement participation, emergency medical transport reimbursement, and negotiated rates for certain community health care providers, including telehealth arrangements. The Safety Net Hospital Alliance of Florida spoke in information and indicated the amendment was a positive step, while the Florida Department of Corrections waived in support. The bill, as amended, was reported favorably by roll call vote. Two additional agenda items, CS for SB 1582 on statewide data sharing of secondhand dealer and pawnbroker transactions and SB 1792 on public records for pawnbroker transactions, were temporarily postponed, and the committee adjourned after no further business.
CA
California 2025-2026 Regular Session
Senate Budget and Fiscal Review Committee Jun 24th, 2026
Budget and Fiscal Review
Transcript Highlights:
- So different liabilities have different interest rates.
- account rate, which is, you know, hovers around three-ish.
- So different liabilities have different interest rates.
- The pension liabilities have a discount rate of closer to 7%.
- At any rate, my point is your description of it is in the eye of the beholder.
FL
Florida 2025 Regular Session
April 10, 2025 - 09:00 AM
Transcript Highlights:
- But at the time that he receives it, it might have been at a higher rate. Then it goes low.
- the state would invest up to, but not more than, 10% to ensure that those who would want a better rate
- And I think... ...wants a better rate of return on their retirement, would get that.
- You've got computers that are learning at a faster rate than humans can develop.
- a rate decrease using the standard rating methodology to help get savings to consumers faster.
Summary:
The Insurance and Banking Committee met with a quorum and heard three bills. HB 487 would authorize the CFO and State Board of Administration to invest up to 10% of certain state funds in Bitcoin, require specified custody methods, allow Bitcoin lending under rule, and create a process for accepting taxes and fees in Bitcoin. The sponsor and several proponents argued it would diversify state investments, hedge inflation, and position Florida as a leader in digital assets. Members raised concerns about volatility, security, valuation, and whether Bitcoin was being singled out over other cryptocurrencies, but the bill was reported favorably after debate and a roll call vote.
The committee then considered HB 7011, an Open Government Sunset Review measure for records of insolvent insurers. The bill would continue some exemptions but make additional records public, including underwriting files, risk-solvency assessments, corporate governance annual disclosures, and the names, benefits, and compensation of insurance executive officers. There was no public testimony, and members discussed privacy and safety concerns, but the bill passed and was reported favorably.
Finally, the committee heard HB 1433 on hurricane mitigation grants and insurer regulation. The bill would tighten restrictions on former executives of failed insurers, raise capital requirements for new insurers, and require mitigation credits when homeowners receive Safe Florida Home funds. An amendment was adopted to require a licensed person to make final claim-denial decisions when AI or automation is used and to prioritize filings that lower rates. Consumer advocates supported the transparency and consumer protections, while industry representatives urged caution on the AI provisions. After debate, the amended bill was reported favorably. The meeting ended with closing remarks from the ranking member, vice chair, and chair reflecting on the committee’s work and likely final meeting of the term.
AL
Alabama 2025 Regular Session
Alabama House Ways and Means General Fund Committee Mar 5th, 2025
Ways and Means General Fund
Transcript Highlights:
- This bill proposes a significantly lower tax rate on heated... significantly lower tax rate on heated
- HB 357 proposes a tax on heated tobacco products at a rate... tax on heated tobacco products at a rate
- However, by taxing these products at a lower rate, this bill could encourage more people, especially
- This report card also includes our current tobacco tax rate.
- This has resulted in a conversion rate of almost 70%.
Keywords:
elections, post-election audit, election audit, risk-limiting audit, ballot audit, election integrity, voter confidence, Secretary of State, judge of probate, canvassing board, poll watchers, ballot containers, manual tally, recount, county election, statewide election, general election, absentee ballots, provisional ballots, election transparency
FL
Florida 2025 Regular Session
February 11, 2025 - 09:00 AM
Transcript Highlights:
- They boast an impressive program completion rate of 87% and a job placement rate of 91%. which is all
- They boast an impressive program completion rate of 87%, a job placement rate of 91%, a job placement
- rate of 91%. ...an impressive program completion rate of 87%, a job placement rate of 91%, and a licensure
- pass rate of 98%.
- And then couple that with a $2.88 tuition rate, which we've been the same for 18 years.
Summary:
The Careers and Workforce Subcommittee heard a panel discussion focused on how Florida schools and colleges are exposing students to in-demand careers in manufacturing, semiconductors, transportation, and related fields, and how they are building pathways from middle school through postsecondary training. Panelists from Seminole County Public Schools, Lake Technical College/Lake County Schools, and St. Petersburg College described their career academies, dual enrollment options, industry certifications, and partnerships with employers, local governments, and state colleges. They emphasized early career awareness, counseling, and parent outreach as key to helping students understand technical education as a viable and prestigious path.
Seminole County highlighted 51 career and professional education academies and new offerings in agricultural biotechnology, global finance, firefighting, and planned aerospace engineering. Lake County described Lake Technical College’s programs, strong completion and placement outcomes, and three partnerships: a flexible-day high school/workforce model at Lincoln Park Education Center, the Lake Works pathway collaboration with Lake Sumter State College, and a Transportation Innovation Hub with the City of Tavares that trains students on municipal vehicles and serves multiple local governments. St. Petersburg College discussed its manufacturing and engineering technology programs, including semiconductor processing, mechatronics, soldering, and clean-room training, along with new grant-funded expansion at its Midtown campus.
Members asked about wages, the semiconductor workforce, how to change perceptions of technical education, how parents are engaged, and how Bright Futures CAPE and Gold Seal scholarships are communicated. Witnesses said school counselors, CTE teachers, parent nights, and district communications are used to promote these options, and that many students can earn strong wages through short-term certifications or two-year degrees. Lake Technical College also raised concerns about workforce funding not keeping pace with teacher pay increases and inflation, noting that funding covers only about 80% of what it earns and tuition has remained unchanged for 18 years. The meeting ended with members praising the programs, and the subcommittee adjourned without any vote or formal action beyond rising and adjournment.
MN
Minnesota 2025 1st Special Session
House Energy Finance and Policy Committee 2/11/25 - Part 2
Energy Finance and Policy
Transcript Highlights:
- and Minnesota utilities every available opportunity to get to that point of zero while keeping the rate
mind <00:04:09.599>and <00:04:09.760>keeping <00:04:09.959>things the rate- pair of mind and keeping things the rate pair of mind and keeping things affordable<00:04:10.720>
- We saw what... ...there and the $500 additional a year just for that in rates.
- just for the just for that in rates just for the nuclear<00:12:17.519>
plant <00:12:18.519>
TX
Transcript Highlights:
- At the end of fiscal year 27, I'm 26, my apologies, leaving the rate for 27 unknown.
- In fiscal year 2024, the turnover rate was 15.6%.
- Our call rate, our answering is within three to five minutes. Really?
- So we're experiencing a high growth rate and a tremendous.
- We need the reimbursement rates for TWC to match the market rates so that we can sustain it.
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Financial Services Jun 21st, 2026 at 10:00 am
Joint Committee on Financial Services
Transcript Highlights:
- The default rate against consumers in these cases is unusually high.
- The bills that once again seek to grow credit unions at an exponential rate here in the Commonwealth
- These changes are necessary to address unintended consequences because of rate volatility.
- The second provision would reduce the interest rate on judgments.
- Let's just talk about the interest rate for a second. $5,000 in debt, 12% interest, $600 a year.
Summary:
The Committee on Financial Services heard testimony on several bills focused on consumer debt, mortgage regulation, credit unions, and foreclosure prevention. The Attorney General’s Office strongly supported the Debt Collection Fairness Act (S. 735/H. 1275), saying it would curb abusive debt collection, prevent stale claims, limit civil arrest warrants, modernize wage garnishment rules, and reduce judgment interest rates. Senator Eldridge and legal aid advocates echoed that support, while the Massachusetts Bankers Association and the Massachusetts Mortgage Bankers Association supported bills on credit union mission/competition, consumer privacy in mortgage applications, subprime loan definitions, UCC updates, and protections for vulnerable adults, but opposed foreclosure mediation proposals and several credit union expansion measures, arguing they would distort competition and add unnecessary burdens.
A large portion of the hearing focused on foreclosure prevention bills (S. 765/H. 1090), with testimony from homeowners, housing organizers, and legal advocates describing predatory lending, confusing servicing practices, health harms, and displacement caused by foreclosure. Supporters said a statewide pre-foreclosure mediation program would give borrowers and lenders a chance to reach alternatives such as loan modifications or repayment plans, and cited local experience in Lynn where mediation reportedly produced high rates of foreclosure alternatives. Opponents from the banking industry argued Massachusetts already has strong foreclosure protections and that a new mandatory process could delay resolution without added benefit, though they also noted a 2024 pilot should be evaluated first.
The committee also heard strong support for H. 1282/S. 684, which would update the Massachusetts Uniform Commercial Code. State Street and a bankruptcy attorney said the changes are needed to keep commercial law current with electronic transactions, tokenized assets, and blockchain technology, and to maintain competitiveness with other states. The hearing concluded after public testimony, with no bill votes taken during the session; the chair thanked speakers and the committee voted to adjourn.
ND
North Dakota 2026 1st Special Session
Joint Appropriations Jan 21st, 2026 at 10:30 am
Appropriations
Transcript Highlights:
- But, you know, as a per capita rate, we were really, really good.
- We're at, uh, But, you know, as a per capita rate, we were really, really good.
- Well, and I realize you're using the prevalence rate, but I'm asking you a...
- rate from?
- Dementia rates. That was where we saw the problem and the pain.
Bills:
HB1623
Keywords:
HB 1623, North Dakota, rural health, rural health transformation program, medical facility infrastructure loan fund, medical facility infrastructure loan program, rural health loan program, Bank of North Dakota, Department of Health and Human Services, HHS, federal grant, health care infrastructure, rural hospitals, critical access hospitals, nonprofit health care providers, gap financing, loan fund, public health funding, healthcare financing, Medicaid
Summary:
The committee heard House Bill 1623, the appropriations bill tied to North Dakota’s Rural Health Transformation Program, which is funded through a new federal rural health care grant. Senator Bekkedahl explained the bill’s background, the interim committee process that developed it, and the federal conditions attached to the award, including spending deadlines, administrative cost limits, and restrictions on uses such as new construction, supplanting existing funding, and certain other costs. Legislative staff then walked through the seven sections of the bill, including appropriation authority, transfer authority, contingent appropriations for pass-through grants, procurement and public improvement exemptions, recipient reporting, legislative reporting, and immediate effective date.
Commissioner Traynor and HHS staff described how the department plans to implement the program, emphasizing that the funding is intended to improve rural access, workforce recruitment and retention, technology and data connectivity, and community health initiatives. They said the department will rely on local applications, technical assistance, templates, listening sessions, and partnerships with providers, schools, public health units, tribal entities, and other community groups. Members asked about reimbursement timing, upfront costs, administrative expenses, sustainability after the five-year grant period, and whether CTE centers, public health units, gyms, grocery stores, and other community partners could participate; the department said yes, within program rules and with a focus on measurable outcomes and sustainability.
Several supporters testified in favor. Mental Health America of North Dakota and the Mental Health Advocacy Network supported the bill and urged investment in community-based mental health, crisis response, children’s services, peer support, and mobile crisis teams. HIA Health described the grant as a chance to expand home-based and hospice care, noting that rural providers already have workable models but need funding to scale them. A cybersecurity representative also supported the bill, warning that the large amount of health data and AI-related tools will require strong data protection and professional support. The hearing was closed with no opposition testimony, and the committee announced it would return later in the day for further work on the bill and other measures.
NM
New Mexico 2025 Regular Session
IC - Water and Natural Resources Nov 18th, 2025
Water & Natural Resources Committee
Transcript Highlights:
- There's nowhere else to go that would increase our rates.
- Using that approach, they have a 90% completion rate. Thank you very much.
- Also, to see if the rates, which we've estimated at 50, 75, and then 100 over that 80.
- Their legislature can't rate it because I know it would have been rated by them, right?
- or California rate payers?
NM
New Mexico 2025 Regular Session
Legislative Finance Sub Committee Oct 15th, 2025
Transcript Highlights:
- hearings, and that's why part of the reason our costs are increasing, as well as just general postage rates
- Despite the recent rate increases and general fund transfer into this fund to supplement it, the fund
- Right now, we're paying them $445 per case based on a rate study from FY 21.
- The rate study that was just completed in June of 2025 says the rate should be $600 per month because
- We added new intergovernmental transfers to leverage part of that big rate increase through Medicaid
MN
Transcript Highlights:
- Drivers continue to work without a voice, without transparency as to how rates are set or in some cases
- <00:02:07.119>
are without transparency as to how rates are without transparency as to how - rates are set<00:02:07.840>
or <00:02:08.080>in <00:02:08.319>some <00:02:08.560 - , share companies can change the rates, share companies can change the rates, the<00:05:22.240>
- <00:15:18.639>
and per minute and per mile rates and per minute and per mile rates and insurance - <00:15:18.639>