Video & Transcript Research : 'Code Commissioner'

Page 143 of 500
CA

California 2025-2026 Regular Session

Senate Floor Session May 19th, 2026

California Senate Floor Meeting

Transcript Highlights:
  • These are merely code words, meaning that These are merely code words, meaning that workers must belong
  • The labor standard and construction code is the same, whether you are under skilled or trained or not
  • Inspectors inspect the same work under the same construction code.
  • The bill streamlines the permit process for code-compliant residential window replacements.
  • I had no idea that it violated building code, and I was given 30 days to knock I bought the house as
Keywords: 987, senate, all
OK
Transcript Highlights:
  • These proceedings will be governed by Article 5 of the Oklahoma Election Code in Title 26 of the Oklahoma
  • the State Election Board Administrative Rules set forth in Title 230 of the Oklahoma Administrative Code
  • The election code authorizes a petition and an answer, but not a reply.
  • It's referenced in the election code.
  • In 1994, Senator Mike Fair, a midterm senator, wanted to be Labor Commissioner.
Summary: The Oklahoma State Election Board held a special meeting to address several candidate contests and related procedural matters. After roll call and opening remarks, counsel explained the hearing procedures, burden of proof, and possible outcomes. Several cases were noted as resolved or withdrawn, including Timmons v. Jones, Banning v. Sutterfield, and Roberts v. Gaw. In Ranson v. Riley, the board accepted constructive service after the respondent did not appear, heard that Riley was not a registered voter in the required district for the required period, and voted 3-0 to sustain the petition and strike him from the ballot, with costs assessed to the petitioner. The board then heard Hasenbach v. Pugh, a contest challenging Senator Adam Pugh’s candidacy for Superintendent of Public Instruction under the Oklahoma Constitution’s emoluments ineligibility clause. The petitioner argued that Pugh was a sitting legislator whose office’s salary and benefits had increased during his term, relying on stipulated facts, a compensation commission order, and prior case law. The respondent argued the salary increase came from an independent commission that expressly excluded current legislators and that benefit changes were automatic under a preexisting statute, so no qualifying increase applied to Pugh. The board resolved several procedural issues first, including striking a reply brief as beyond the original petition and admitting joint stipulations into the record. After a recess and executive session, the board returned to open session and voted 3-0 to deny the petition in Hasenbach v. Pugh, retaining Pugh as a candidate on the ballot and assessing costs to the petitioner. The meeting concluded with closing remarks from the secretary and a unanimous vote to adjourn.
TX

Texas 89th 2nd C.S.

Energy Resources Apr 14th, 2025

Energy Resources

Transcript Highlights:
  • Chapter 4, stemming from the previous cha uh, Rule 8 under Chapter 3, of the Texas Administrative Code
  • Separate from the commercial pits under Schedule B and 4.113 of the of the code, uh, within that, I would
  • And the Railroad Commission, one commissioner specifically said, Well, the statutes, we went as far as
  • Thank you, uh, Chair and commissioners for listening. Thank you. Any questions for Mr. Abdullah?
  • The probate code is full of these situations. OK.
FL

Florida 2025 Regular Session

February 4, 2025 - 03:00 PM

Transcript Highlights:
  • First and foremost, the commissioner, or later...
  • First and foremost, the commissioner laid a priority of school safety.
  • The second major priority that the commissioner hit the ground running was teacher recruitment.
  • I saw it as a county commissioner. It's a terrible situation that you're in.
  • I saw it as a county commissioner. It's a terrible situation that you're in.
Summary: The subcommittee first heard an overview from Department of Education Chancellor Paul Burns on Florida’s K-12 governance structure and major divisions, including early learning, public schools, safe schools, school choice, and accountability. He highlighted school readiness and VPK, teacher preparation and licensure, school safety functions, scholarship and virtual/home education programs, and FAST progress monitoring. Burns also cited statewide gains such as higher mid-year reading performance, a record graduation rate of 89.7%, and record CTE enrollment, while members questioned the meaning of Florida’s “number one” education rankings, teacher pay, post-COVID learning loss, vacancies, and chronic absenteeism. St. Lucie County Superintendent John Prince then described the scale and responsibilities of a mid-sized district, emphasizing student safety, transportation, meals, hurricane shelter operations, career and technical education, teacher recruitment and retention, progress monitoring, remediation, and mental health supports. Members asked about school shelter construction standards, remediation funding, late school start times, attendance, and concordance scores; Prince argued for more flexibility for CTE pathways and noted that local districts use a mix of state and federal funds to support remediation and staffing. The committee then moved to an early warning systems panel. Burns explained that Florida law requires districts to use attendance, behavior/suspensions, course performance, FAST results, and other academic indicators to identify students needing support, with districts and families developing intervention plans. Superintendents from Putnam, St. Johns, and St. Lucie counties said chronic absenteeism is tied to achievement and NAEP decline, but causes vary by district, including poverty, transportation, daycare, family instability, travel, and student athletics. They described MTSS, PBIS, home visits, attendance letters, and community partnerships as responses. Members also discussed VPK access, full-day VPK funding, excused versus unexcused absences, and the need for earlier intervention in pre-K and K-2. Finally, Vice Chancellor Darren Norris outlined Florida’s post-Parkland school safety measures, including armed school officers, anonymous reporting, behavioral threat assessment teams, mental health training, panic alert systems, emergency drills, active assailant response policies, and firearm detection canines. Superintendents said compliance is costly and often requires shifting local funds, but they praised state grants for mental health, hardening, and mapping. They noted ongoing challenges with new mandates, capital costs, manual reporting burdens, and the need to balance safety requirements with classroom resources.
MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Telecommunications, Utilities and Energy Jun 21st, 2026 at 01:00 pm

Joint Committee on Telecommunications, Utilities and Energy

Transcript Highlights:
  • January 2024, I pushed forward and the council adopted the specialized code.
  • However, the code is only for new construction and only in Salem, as most of you know who have visited
  • January 2024, I pushed forward and the council adopted the specialized code.
  • however the code is only for new construction and only in Salem as most of you know who have visited
  • We are downsizing, and we may have a school that may be available to turn into housing, but the code
Keywords: 995, all
Summary: The hearing focused on several climate and utility-related bills, especially H. 3449/S. 2292 to expand the municipal fossil fuel-free building demonstration program from 10 to 20 communities and related home rule petitions for Somerville and other municipalities. Witnesses from Somerville, Salem, Worcester, Cambridge, Newton, Arlington, Wellesley, Watertown, and the Massachusetts Municipal Association argued that local governments should be allowed to opt into fossil fuel-free or net-zero building standards, citing climate goals, environmental justice concerns, housing production, and data showing all-electric construction can cost about the same as or less than mixed-fuel construction. Committee members repeatedly pressed witnesses for cost data and asked for written follow-up, while also discussing whether strong environmental standards affect housing supply; witnesses responded that the main housing constraints are financing and that they would provide more data from local projects and state studies. A second major topic was H. 3564, which would require gas companies to provide municipalities with detailed multi-year pipe replacement plans, allow local review and objections, and limit reimbursement for projects not previously disclosed except in emergencies. Municipal leaders and advocates said the bill would improve coordination of street work, reduce disruption and costs, and help cities plan for electrification, network geothermal, and non-pipeline alternatives. Testimony from Wellesley, Cambridge, Arlington, Newton, and others emphasized repeated problems with last-minute gas main work, the need for advance notice, and the value of municipal participation in planning gas system retirement and alternatives. The committee also heard testimony on the “tactical transition” bills, S. 2249/H. 3539, aimed at managing the gas-to-clean-energy transition. Supporters from Gas Transition Allies, Rewiring America, and 350 Mass said the bills would require joint gas-electric planning, create an advisory council, eliminate subsidies for new gas hookups, shift investment toward repairs and clean alternatives, protect workers through retraining, and make utility plans more transparent. They argued these changes would reduce ratepayer costs, avoid stranded gas assets, and support orderly decarbonization. In addition, HEET testified on H. 3541, which would update greenhouse gas accounting to better reflect methane’s short-term climate impact, and H. 3543, which would establish a framework for managing shared thermal resources and thermal energy networks; committee members asked several questions about the meaning, ownership, and consumer-cost implications of the proposed “thermal commons.” No votes were taken during the hearing.
MN

Minnesota 2025-2026 Regular Session

Workforce Development Committee Meeting - 2026-04-16

Workforce, Labor, and Economic Development Finance and Policy

Transcript Highlights:
  • Requires the Commissioner of Employment and Economic Development, from July 1st, 2026 through June 30
  • No longer requiring the commissioner of DEED to be on this board since they have never been involved
  • No longer requiring the commissioner of DEED to be on this board since they have never been involved
  • No longer requiring the commissioner of DEED to be on this board since they have never been involved
  • No longer requiring the commissioner of DEED to be on this board since they have never been involved
Bills: HF3732
MN

Minnesota 2025 1st Special Session

Committee on Labor - 02/25/25

Labor

Transcript Highlights:
  • Very good, and I think we have the commissioner here. Welcome, Commissioner Blissenbach.
  • Very good, and I think we have the commissioner here. Welcome, Commissioner Blissenbach.
  • Very good, and I think we have the commissioner here. Welcome, Commissioner Blissenbach.
  • Very good, and I think we have the commissioner here. Welcome, Commissioner Blissenbach.
  • Very good, and I think we have the commissioner here. Welcome, Commissioner Blissenbach.
Keywords: 1187, senate, all
MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Public Service Jun 21st, 2026 at 01:00 pm

Joint Committee on Public Service

Transcript Highlights:
  • I'm the building commissioner in Chusory, Mass. I've been there for 15 years.
  • State Building Code, but also the zoning and municipal codes.
  • To violate the building code is actually a criminal offense.
  • due to the dangerous nature of our duties, that it positions our parity with our fellow construction code
  • I am the president of the MBCIA, which is the Massachusetts Building Commissioners and Inspectors Association
Keywords: 995, all
Summary: The Joint Committee on Public Service heard testimony on a wide range of retirement classification and benefit bills affecting municipal and state employees. Much of the hearing focused on proposals to move various workers from Group 1 to Group 2 or Group 4, including municipal building officials (H. 2776), MassDOT highway workers (H. 2908/Sousa’s Law), DCF attorneys (H. 2771), probation officers, licensed electricians, drinking water operators (H. 3000/S. 1834), MWRA non-clerical workers (S. 1803), transitional parole officers (H. 2878), Plymouth BCI criminal investigator officers (H. 2975/S. 1863), Beverly fire alarm operators/public safety telecommunicators (S. 1876), Massport pipefitters and refrigeration technicians (H. 2788/S. 1829), and other public safety or hazardous-duty classifications. Witnesses generally argued that their work is physically dangerous, understaffed, or comparable to already higher-classified employees, and several said the changes would help recruitment and retention with little fiscal impact because the affected groups are small. The committee also heard testimony on H. 4508, a home rule petition to grant a disability pension to Boston principal Patricia Lampron. Supporters, including Representative Dan Hunt, Boston city councilors, and Lampron herself, described a severe 2021 assault at the Henderson Inclusion School that left her with lasting physical and psychological injuries and forced her into early retirement. They urged the committee to advance the bill quickly. One witness, Pamela McLaughlin, testified in opposition, arguing the bill would set the wrong precedent and describing alleged prior misconduct by Lampron, and asked that the bill be sent to study. Several witnesses and committee members asked brief questions, mainly about the scope of the bills, whether certain workers were already in higher groups, and the fiscal or precedent concerns. No votes were taken during the hearing. At the end, the chairs announced that testimony was complete, asked whether anyone else wished to speak, and then the committee voted to adjourn.
MN

Minnesota 2025-2026 Regular Session

Elect Committee Meeting - 2025-03-26

Elections Finance and Government Operations

Transcript Highlights:
  • We have following any commissioners and former Executive Director of Stepping Stone Emergency Housing
  • Further, we found that in many municipalities, this lack of explicit allowance in the zoning code meant
  • Currently, nothing in my bill would overrule the city safety, city occupancy, nor the city codes that
  • Building codes would still apply, and safety codes would still apply.
  • Consistent, and that we have folks who are in comparable positions, like state agency heads and deputy commissioners
MN

Minnesota 2025-2026 Regular Session

Committee on Taxes - 01/30/25

Taxes

Transcript Highlights:
  • So this bill does include the implementation provision, and that's the authority for the commissioner
  • My predecessor and other folks, other commissioners, some obviously senators and legislators who were
  • My predecessor and other folks, other commissioners, some obviously senators and legislators who were
  • uh uh some some obviously Commissioners uh uh some some obviously senators<00:51:33.000> and<
  • um for example where I live in code um for example where I live in Hermantown<01:16:40.159> we
Keywords: 1187, senate, all
MA
Transcript Highlights:
  • Hello, my name is Palmerston Aifflin, the Commissioner of Probation, Massachusetts Probation Service.
  • of corrections, any commissioner of probation, or anybody with parole would put on the safety of the
  • In Hampden County, we have a ZIP code model. It's a nationally recognized health care model.
  • We bring in providers from the ZIP codes of the people who are being released back to that ZIP code.
  • Let's just, yeah, across the commissioners who are running their own schedules.
Keywords: 995, all
Summary: The meeting was the third public session of the Special Commission on Correctional Consolidation and Collaboration. Members introduced themselves, and the commission approved the prior meeting minutes. The main presentation came from the Massachusetts Sheriffs’ Association, led by several sheriffs, who described the role of sheriffs’ offices as independently elected county institutions that operate jails and houses of correction, regional lockups, civil process, 911 communications in some counties, school resource officers, and investigative units. They emphasized that most of their population is pretrial, that admissions and releases are far higher than the Department of Correction’s, and that their facilities now house more people overall than DOC despite having a smaller budget. The sheriffs argued that their work has shifted toward rehabilitation, reentry, and public health, highlighting extensive programming in mental health, substance use treatment, medication-assisted treatment, education, vocational training, and gender-specific, trauma-informed services. They said standardized risk/needs assessments and better funding would help make services more consistent across counties. They also described specialized units and models such as regional evaluation and stabilization units, older-adult housing, emerging adult and gang-intervention programs, and reentry centers that connect people to housing, employment, family support, and community services. Several examples were cited, including Suffolk’s Project Evolve, Middlesex’s older-adult unit, Hampden’s MAGIC program, Worcester’s STOP program, and county reentry centers across the state. A major theme was that these programs are expensive but, in the sheriffs’ view, reduce recidivism and improve safety by stabilizing people before release and supporting them afterward. They pointed to COVID-19 as a period when sheriffs adapted facilities for quarantine and medical care, and said they continue to work with public health partners. They also stressed that their facilities are heavily audited by state and federal agencies and that maintaining humane, safe conditions requires significant staffing and operating costs. Commission members responded favorably at points, noting the importance of the turnover in sheriff populations and the need to understand the different correctional mission compared with DOC. The meeting ended with discussion of future commission dates and a note that the presentation materials would be shared electronically.
CA

California 2025-2026 Regular Session

Assembly Revenue and Taxation Committee Apr 20th, 2026

Revenue and Taxation

Transcript Highlights:
  • This is about aligning our tax code with our values.
  • Under existing law, authored by the chairman, Revenue and Taxation Code Section 168.1 provides a secure
  • It would authorize the Board of Supervisors to appoint a full-time hearing commissioner to oversee and
  • A full-time commissioner would also bring continuity, expertise, and accountability to the process.
  • improvements with a cross-reference to the improvements contained in the wildland urban interface codes
Keywords: 988, house, all
TX

Texas 89th 2nd C.S.

State Affairs May 6th, 2026

State Affairs

Transcript Highlights:
  • We're figuring out through other already authorized means under local government code.
  • We represent all 254 commissioners courts in Texas, so there's a big range of needs and tools.
  • We represent all 254 commissioners courts in Texas.
  • Rick Thompson, County Judge and Commissioner Association. We are a member-driven organization.
  • The same air, water, worker safety, building codes—all that stuff; none of that changes.
Keywords: 1184, house, all
DE

Delaware 2025-2026 Regular Session

Senate Executive Committee Meeting Jun 17th, 2026

Executive

Transcript Highlights:
  • consideration of my nomination to serve as a member of the Delaware River and Bay Authority Board of Commissioners
  • experience have prepared me to contribute meaningfully to the Delaware River and Bay Authority Board of Commissioners
  • It's a bill that is based on technical corrections found by the code revisors.
  • Now we will go back to the agenda and go to House Bill 446, an act to amend Title 3 of the Delaware Code
Bills: HB364, HB364
Summary: The Senate Executive Committee first considered several gubernatorial appointments. Heidi Gilmore was nominated to the Marijuana Appeals Commission and said her real estate and administrative-law background would help her support implementation of Delaware’s new marijuana framework. Lee Wynne Lynn and Ruth Tucker were both nominated to the Delaware River and Bay Authority Board; both emphasized long Delaware ties, public service, and experience in technology, transportation, and executive leadership, with committee members asking about modernization, cashless tolling, and potential conflicts of interest. Lindsay Alexic and Dr. Jennifer Hallman were nominated to the Professional Standards Board and described their classroom and administrative experience in Delaware public education, with discussion focused on supporting teachers, improving educator effectiveness, and helping schools address post-COVID classroom and student-support challenges. Jason Munion and F. Todd Collada were nominated to the Environmental Appeals Board; Munion cited his engineering and environmental background, while Collada noted his work as Milford’s mayor and a contractor. No votes on the nominations are reflected in the transcript excerpt. The committee then moved to legislation. House Bill 364 would create a Delaware Entertainment Production Tax Credit for film, television, e-sports, and video game production, with a $10 million annual cap, audit and reporting requirements, a 2031 sunset, and a focus on verified in-state spending and Delaware hiring; the bill was circulated after no public comment. House Bill 437 was described as a technical corrections bill affecting certain municipal charters and requiring a three-quarters vote; it also drew no public comment. The committee approved the previously circulated minutes by motion and second. House Bill 446 would reorganize the Delaware Forest Service chapter, consolidate authority in one section, and add definitions related to forests and urban forestry without creating new authority; House Amendment 1 was noted as clarifying existing authority for the Department of Agriculture. House Bill 180, the first leg of a constitutional amendment on voting, would limit felony-related voting loss to actual imprisonment or pardon, remove outdated residency and literacy provisions, update the voting age to 18, and eliminate a post-sentence voting ban; members raised a question about whether the change would apply retroactively, which was left for later clarification. No public comments were offered on the bills, and the committee adjourned after announcing written comments would be accepted for 24 hours.
MN

Minnesota 2025-2026 Regular Session

Committee on Judiciary and Public Safety - 04/07/25

Judiciary and Public Safety

Transcript Highlights:
  • Commissioners to walk through some of the—we haven't commissioner here. Sure.
  • Thank you, Commissioner.
  • Thank you, Commissioner.
  • Thank you, Commissioner.
  • Thank you, Commissioner. Thank you, Commissioner.
Keywords: 1187, senate, all
MN
Transcript Highlights:
  • of health to approve commissioner of health to approve medication<00:10:32.480> administration
  • <00:37:03.359> of B related to the commissioner of B related to the commissioner of corrections
  • We're excited to see that get into the code.
  • Um, and then also in this into the code.
  • to change the definitions commissioner to change the definitions and<01:49:18.639> statutes.
Keywords: 1187, senate, all
FL
Transcript Highlights:
  • Well, again, I can't speak to the other commissioners.
  • I'm only one commissioner of 7 as it sits today.
  • And I I took I'm only one commissioner of 7 as it sits today.
  • of conduct that is required of FWC commissioners.
  • Cowan this commissioner, the FWC second, Senator Mayfield moves to recommend confirmation.
Keywords: 999, senate, all
TX

Texas 89th 2nd C.S.

S/C on Workforce Apr 8th, 2025

S/C on Workforce

Transcript Highlights:
  • Uh, for example, Texas Labor Code Section 410 allows.
  • Uh, there's nothing currently I'm aware of in the labor code that allows an administrative law judge
  • Uh, so there's sort of a standing issue that's not addressed by the labor code.
  • The other concern I have is there's nothing in the labor code that allows an administrative law judge
  • If it's any other matter, judicial review under Labor Code Chapter 410 is substantial evidence review
FL

Florida 2026 5th Special Session

FL House Floor Session - 2025-04-29 (10:00AM Session)

Florida House Floor Meeting

Transcript Highlights:
  • It allows charter schools to adopt their own code of student conduct.
  • I want to switch now to the issue about the Code of Student Conduct.
  • The bill authorizes the charter... ...code of student conduct.
  • And a charter school governing board may adopt its own code of student conduct.
  • The code of student conduct must meet or exceed the minimum standards set forth in the sponsor's code
Summary: The Senate convened with a quorum, opened with prayer and the Pledge of Allegiance, and heard several member introductions before taking up the special order calendar. The chamber first postponed CS/SB 80 on state land management, then moved through a series of bills, often substituting House companions when identical or nearly identical. Early actions included unanimous passage of HB 295 on a comprehensive waste reduction and recycling plan, which directs DEP to develop a recycling and waste-diversion roadmap, and passage of CS/CS/SB 492 on land development and mitigation banking after amendments addressing out-of-service credits and former phosphate mine lands; that bill passed 35-3 after debate over possible constitutional concerns. The Senate also passed HB 255 on aggravated animal cruelty, adding a sentencing multiplier and a searchable FDLE database of convicted animal abusers, and HB 711 establishing the Spectrum Alert for missing children with autism, with $190,000 in nonrecurring implementation funds and a July 1, 2026 implementation date. The chamber then approved HB 1089 to add Duchenne muscular dystrophy to newborn screening, and HB 393 revising the My Safe Florida Condominium Pilot Program to expand eligible mitigation projects, lower the approval threshold, and clarify ownership and reimbursement issues. Members discussed funding levels and whether insurance premium credits would be required, but the bill passed unanimously. The Senate also passed HB 1145 on workforce education, HB 827 on a statewide study of automation and workforce impact, and HB 181 on parole guidelines, all without recorded opposition. CS/CS/SB 976 on court-appointed psychologists also passed unanimously, as did HB 1451 on sexual cyber harassment, which broadened protections against non-consensual and digitally forged intimate images. Later, the Senate approved HB 1156 creating the Home Health Aid for Medically Fragile Children Program, after clarifying training requirements and hearing support that the measure would help families keep medically fragile children at home while compensating trained parents. The chamber also passed HB 1091 on substance abuse and mental health care, with an amendment allowing designated facilities to retain stabilized patients who still meet involuntary examination criteria. Throughout the day, senators used questions and debate to probe charter school governance in CS/CS/SB 822, which was substituted with HB 443 and amended to expand charter autonomy over conduct codes, enrollment, reporting, and facility use while maintaining sponsor oversight; that bill was placed on the calendar for third reading rather than voted on in the excerpt. Several other measures, including SB 716, SB 76, and the final SB 1252 item, were postponed or not reached before the transcript ended.
OR
Transcript Highlights:
  • Keene, I'm insurance commissioner and administrator of the Division of Financial Regulation.
  • But now I will pass it to Commissioner Keene.
  • Keene, and I'm the insurance commissioner and DFR administrator.
  • and look at charges because the CPT code could be for any number of things.
  • and look at charges because the CPT code could be for any number of things.
Keywords: 907, all
Summary: The committee held an informational hearing focused first on Oregon Medicaid coordinated care organization (CCO) finances and rate setting. Oregon Health Authority staff explained how 2025 CCO financial results will inform 2027 capitation rates, including reserve requirements, subcapitation arrangements, and major cost drivers such as behavioral health, pharmacy, rural hospital costs, and dental directed payments. They said the Legislature’s added 2025 funding materially improved CCO margins and that, without it, the program would have been negative overall. Members asked about retained earnings, subcapitation, behavioral health utilization, ABA therapy, and whether outcomes are being evaluated; OHA said rate setting is actuarial and that CCOs, OHA, and other partners all play roles in monitoring efficacy and access. OHA also reviewed House Bill 4039 changes intended to increase transparency and give CCOs earlier access to rate information and reconciliation exhibits. CCO representatives then testified that the system is under significant financial pressure and that behavioral health state-directed payments, benefit changes, and federal uncertainty from H.R. 1 are reducing flexibility. CareOregon said it has lost more than $500 million over the last couple of years and is now making provider terminations and other network changes to align spending with available funding, while emphasizing that CCOs must make hard decisions about which services and providers can be sustained. Eastern Oregon CCO said rural and frontier factors, cost-based hospitals, air ambulance needs, and statewide efficiency adjustments are not fully reflected in rates, and that dental funding is especially strained. Trillium similarly warned that state-directed payments and benefit expansion pressures are constraining the global budget model and that H.R. 1 could worsen acuity and volatility. Members pressed the witnesses on who is responsible for evaluating treatment effectiveness, especially for ABA and psychotherapy, and on how utilization limits and reimbursement changes are being used to control costs. The committee then shifted to an overview of the Affordable Care Act and Oregon’s commercial insurance market. Department of Consumer and Business Services staff explained actuarial value, metal tiers, premium tax credits, medical loss ratio rules, and the main drivers of premium rates: cost trend, utilization trend, and administrative costs. They said mandates have likely added only a limited amount to premiums over the past decade, though the exact effect is difficult to isolate, and they gave examples of how high-cost, low-volume services versus broad, high-utilization services can affect rates differently. Staff also noted that Providence Health Plan and PacificSource Health Plans are withdrawing from the individual market, though consumers should still have at least three insurer options in every county and may have four in many counties. The division said it is in the middle of reviewing proposed 2027 rates and will continue its public rate review process, including hearings and written comment.