Video & Transcript Research : 'premium increase'
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CO
Colorado 2026 Regular Session
Colorado House 2026 Legislative Day 118 May 12th, 2026
Colorado House Floor Meeting
Transcript Highlights:
- Acupuncture coverage, $18 million, to increase premiums.
- Increasing access to reproductive care, $4 to $8 million increased premiums.
- The total for all of these is $1.168 billion to increase your premium cost.
- Increased workers' compensation liabilities will likely translate into higher insurance premiums for
- Increasing the number of complex claims will also increase local government...
NM
New Mexico 2025 Regular Session
House - Chamber Meeting Mar 21st, 2025
Transcript Highlights:
- I've heard it's about a 30% increase in the premiums. Is that correct, Mr. Speaker and gentlemen?
- Speaker, gentle lady, I'm told without this bill we would be charging on average 30% increased premium
- Are they also going to see increases in their premiums? Mr.
- , state premiums would increase in FY 26 by 35,000.
- Premiums have increased slightly because the insurer is covering a greater portion of the behavioral
MN
Minnesota 2025-2026 Regular Session
Committee on Commerce and Consumer Protection - 03/25/25
Commerce and Consumer Protection
Transcript Highlights:
- We predict a staggering 90% premium increase over current rates by the fifth year due to the 2023 law
- <00:32:59.120>
increase <00:32:59.559>over staggering 9 90% premium increase over staggering - 9 90% premium increase over current<00:33:00.120>
rates <00:33:00.440>by <00:33:00.559> - products increase premiums making the products increase premiums making the products appealing<01
- increasing their their premiums<01:24:49.560>
or <01:24:49.719>penalizing <01:24:50.199
NM
New Mexico 2025 Regular Session
House - Commerce and Economic Development Mar 3rd, 2025
House Commerce & Economic Development Committee
Transcript Highlights:
- We stand in opposition to the legislation because of the potential to increase premiums.
- Forty percent of these seniors would experience premium increases. of at least 20%, and 23% of seniors
- would experience premium increases of 40% or more.
- and increasing premiums for those who currently have insurance.
- We could increase the insurance rates, the premiums for everybody, and we could make uninsured motorist
TX
Transcript Highlights:
- premiums.
- To change these increases.
- Uh, increase, and I think this is sort of tedious of OPEC's big mission to try to increase transparency
- However, due to the steep increase in our reinsurance costs and the absence of rate increases, we do
- Of course our increased exposures and the increase in influx of policies is another factor there.
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Health Care Financing Jun 21st, 2026 at 11:00 am
Joint Committee on Health Care Financing
Transcript Highlights:
- in the merged market, which would result in a 13.4% average increase in premiums if approved, nearly
- doubling the increase last year.
- It would result in a 13.4% average increase in premiums if approved, nearly doubling the increase last
- premiums and growing out-of-pocket costs.
- And because premiums directly reflect the cost of care, increases in drug prices, especially for brand-name
Summary:
The Joint Committee on Health Care Financing held a public hearing on a broad set of health care bills focused on cost, market oversight, pharmaceutical access, transparency, hospital closures, and pharmacy access. Chairs John Lawn and Cindy Friedman opened by emphasizing recent health care reforms and the need for further action on the drug supply chain, PBMs, private equity, and affordability. The committee heard testimony on several measures, including a Betsy Lehman Center bill to make technical changes and create a permanent trust account for federal and private funding, and bills on hospital profits and fairness, hospital closures and health planning, pharmacy deserts, and health care market oversight and pharmaceutical access. No votes were taken during the hearing.
On the hospital profits bill, physicians and labor advocates strongly supported capping hospital CEO compensation at 50 times the lowest-paid worker, requiring greater financial transparency, and directing penalties from high-margin public hospitals into a Medicaid reimbursement fund. Testifiers argued that executive pay is excessive while frontline staff and safety-net services are under strain. Committee members raised concerns about unintended consequences, including whether hospitals might shift workers to contract status or lose executive talent, and whether the bill would actually direct money to the safety net. Supporters responded that the measure is one piece of a larger effort and that the bill’s Medicaid reimbursement provisions would help underserved hospitals.
Testimony on market oversight and pharmaceutical access centered on rising health care and drug costs, PBM practices, and the proposal to give the Health Policy Commission authority to set upper payment limits for certain drugs. Consumer advocates, disability advocates, an independent pharmacist, the Attorney General’s office, and others supported stronger oversight, citing premium increases, affordability problems, and the impact of high drug prices on patients and community pharmacies. Pharma and some industry witnesses opposed parts of the bill, warning that upper payment limits could disrupt access, create legal issues, and fail to address the broader supply chain. The committee also heard support for stronger hospital closure notice and public hearing requirements, and for a pharmacy deserts bill aimed at identifying and addressing closures like the one in Roxbury that affected thousands of patients.
MN
Minnesota 2025-2026 Regular Session
Task Force on Homeowners and Commercial Property Insurance 10/22/25
Minnesota House Floor Meeting
Transcript Highlights:
- The replacement costs due to inflation and supply chain are driving the increase in insurance premiums
- In Minnesota, we have increased risk for weather and freezing that drive the cost of premiums, and insurance
- The replacement costs due to inflation and supply chain are driving the increase in insurance premiums
- In Minnesota, we have increased risk for weather and freezing that drive the cost of premiums, and insurance
- until we increased them in 2023.
Summary:
The task force met on October 22, 2025, with a quorum present and several members participating remotely. Members approved the minutes from the previous meeting. Michelle Urick of the Legislative Coordinating Commission then gave an administrative update on proxy voting and the task force’s operating procedures. She said the enabling statute only authorizes the officially appointed member to act and vote, so proxy voting is not allowed, and votes must be cast in person at the meeting where the item is considered. She also said members may submit written positions, but not vote before or after a meeting. In response to concerns about attendance for future votes, the chair said the January meetings would be rescheduled if possible using a Doodle poll so more members could be present in person. The group also agreed to treat the revised document as operating procedures rather than a formal charter, with no separate adoption action needed at that time.
The task force then moved into testimony on homeowners and commercial property insurance. Paul Edgar of Minnesota Realtors said rising insurance costs are adding to housing affordability pressures, citing an increase in the monthly principal, interest, taxes, and insurance payment on a median-priced Minnesota home from $1,622 in 2021 to $2,642 in September 2025. He said higher insurance costs and limited coverage can affect buyers’ financing, especially for condominiums and townhomes, and urged continued work on liability and insurance-related laws that may discourage condo development. He also referenced prior bipartisan reforms to Minnesota’s condominium construction defects law and said his organization supports further improvements to encourage more condo production.
Keenan Ravery of the Minnesota Mortgage Association focused on how insurance requirements affect mortgage lending. He explained that lenders require insurance both at origination and throughout the life of the loan, with standards aimed at protecting collateral rather than providing full homeowners coverage. He said replacement-cost coverage has long been the norm, but recent issues with roofs, deductibles, HO-6 policies, and force-placed insurance have become pain points for consumers and lenders. He said his association is working with national trade groups on reforms that could allow more flexibility in coverage types and deductibles, and he expressed hope that Fannie Mae, Freddie Mac, and the Federal Housing Finance Agency may announce policy changes in the coming months or by early 2026. No votes or substantive policy actions were taken beyond approving the minutes and agreeing to pursue scheduling adjustments for January.
TX
Transcript Highlights:
- The considerable increase in insurance premiums is a burden. primarily explain the current pricing levels
- premiums.
- However, due to the steep increase in our reinsurance costs and the absence of rating increases, we do
- to the policyholders here and looking at your increased rates, your rate increase over a number of years
- Of course, our increased exposures and the increased case and influx of policies is another factor there
NH
New Hampshire 2025 Regular Session
Senate Health and Human Services (01/29/2025)
Health and Human Services
Transcript Highlights:
- resulting in premium increases of $40 million on the commercial market.
- resulting in premium increases of $40 million on the commercial market.
- resulting in premium increases of $40 million on the commercial market.
- That increases premiums.
- deny coverage deny access increase deny coverage deny access increase premiums<01:55:47.040>
NM
New Mexico 2025 Regular Session
IC - Legislative Health and Human Services Nov 6th, 2025
Legislative Health & Human Services Committee
Transcript Highlights:
- I'm looking at the page that says medical malpractice rate increases and premium comparison.
- Madam Secretary, under the premium comparisons, our premiums are 50% more than our adjoining states.
- So, Megan, can you tell me, doesn't this require CMS approval for these rate increases? increases?
- increase is currently projected.
- Care if the ACA premiums increase is currently projected.
TX
Texas 89th Regular
Pensions, Investments & Financial Services Mar 3rd, 2025
Pensions, Investments & Financial Services
Transcript Highlights:
- I think a 0.6% increase in the premium rate we got at that session, and since then. and we haven't had
- to have an increase in premiums.
- As premiums go up, those cost increases are borne by the member receiving the benefits in terms of the
- cost. terms of premium increases.
- We weren't going to increase them in a typical year we would increase premiums 5 or 6, maybe even as
NH
New Hampshire 2025 Regular Session
House Finance Division III (02/21/2025)
Transcript Highlights:
- states currently that have uh premiums states currently that have uh premiums with<01:18:38.560>
- <01:26:06.360>
of premium of premium of $283<01:26:08.199>15 <01:26:09.000>a <01 - It's a premium we have to pay.
- The last increase, I think, was 8%.
- that go to them as an insurance premium that go to them as an insurance premium if<02:17:49.840>
Summary:
The House Finance Division Three work session on February 21, 2025 focused on the Division of Medicaid Services budget. The chair opened with procedural guidance, noting the division’s role is to make recommendations to the full Finance Committee, that the budget must be balanced, and that members should track possible amendments ahead of a March 26 target for House Bills 1 and 2. Members also discussed the importance of using official budget documents and online resources, and the chair said no motions would be taken at this session.
A major early topic was concern over a five-point Medicaid policy document and the timing of House Bill 2. Representative Tarki objected that the document appeared to be an unofficial draft and argued that significant Medicaid policy changes should have been transmitted by February 15 under state law. He said the lack of an official, posted document raised transparency concerns because the changes could affect tens of thousands of residents. Committee leadership responded that the five-point document was a working document, that it would be posted online within minutes, and that House Bill 2 is often delayed while the Office of Legislative Services finalizes and formats the governor’s proposed trailer bill.
DHHS Chief Financial Officer Nathan White and Medicaid Director Henry Litman then began the budget presentation. White said the committee would use the PowerPoint as the document of record, starting with the governor’s operating budget pages 885-893, and noted that Medicaid is the largest accounting area in the state budget. He said the governor’s budget reflects about $60 million in reductions within the Medicaid area, with Granite Advantage handled off-budget and another $10 million in reductions there, for roughly a $70 million difference overall. Members asked whether the comparison was being made against an efficiency budget or a prioritized-needs budget, and White said the department could look at it different ways.
The presentation then outlined Medicaid’s role in New Hampshire: it provides health coverage, serves as the state’s direct interface with the federal Centers for Medicare & Medicaid Services, and helps finance related services such as long-term supports, school-based services, adult dental coverage, and re-entry programs for people leaving correctional settings. White also reviewed enrollment and program context, saying New Hampshire has about one in seven residents enrolled in Medicaid, making it the fourth smallest Medicaid program in the country by enrollment, and described recent efforts such as youth re-entry and the Medicaid unwind after the end of the federal continuous coverage period. He said the state had to process more than 238,000 redeterminations after the public health emergency and that the department tried to avoid unnecessary coverage loss during that transition.
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 2/18/26
Commerce Finance and Policy
Transcript Highlights:
- The primary driver appears to be the loss of enhanced tax credits and the premium increases, and people
- enhanced tax credits and the premiums enhanced tax credits and the premiums increases<00:28:40.240
- They can’t continue to afford these increases in premiums.
- in premiums, that tells us one thing, but if you have 10,000 people who are receiving a 65% increase
- tells<01:14:55.600>
us 65% increase in premiums that tells us 65% increase in premiums that
NH
New Hampshire 2026 Regular Session
House Health, Human Services and Elderly Affairs (02/18/2026)
Health, Human Services and Elderly Affairs
Transcript Highlights:
- premium to continue uh in the program. premium to continue uh in the program.
- <00:29:40.159>
Um because of these premiums? Um because of these premiums? - If it's implemented premiums?
- that have premiums.
- A study conducted by the American Economic Review confirmed that increasing premiums leads to lower-cost
MN
Minnesota 2025 1st Special Session
Committee on Commerce and Consumer Protection - 03/06/25
Commerce and Consumer Protection
Transcript Highlights:
- I believe that's the most in the country, uh, and they collectively increase the cost of premiums for
- Uh, and that is the idea that if we're going to increase cost for premiums in Minnesota by adding mandates
- <00:01:48.159>
Minnesota increase cost for premiums in Minnesota increase cost for premiums - /c><00:10:36.160>
5% <00:10:36.800>because premiums have increased 2 to 5% because premiums - Senate file 565 will mitigate premium Senate file 565 will mitigate premium increases<00:13:12.560
HI
Transcript Highlights:
- from 25 to increase in our uh premiums from 25 to 26.<01:25:41.760>
So, <01:25:42.400>um,< - You know, a family of four earning $153,000 a year would see a 76% premium increase.
- a year would see a 76% you know, premium a year would see a 76% you know, premium increase.<01:38
- We've talked a lot today too about the increase in terms of premiums, right, the increase in terms of
- c> in terms of premiums right the increase in terms of premiums right the increase in terms<02:14
Summary:
The joint informational briefing by the Health and Human Services and Commerce and Consumer Protection committees focused on projected impacts to Hawaii consumers from federal changes affecting Med-QUEST and the ACA marketplace, including the loss of ACA premium tax credits, OBVA/HR1-related Medicaid changes, immigrant eligibility restrictions, and new Medicaid work/community engagement requirements. Committee members noted the meeting was being streamed live and emphasized the need to explain potential coverage losses affecting a significant share of the state population.
Med-QUEST administrators reported current enrollment at 390,766, about 27% of Hawaii’s population, and broke that down into major groups including roughly 128,000 ACA expansion adults and about 52,000 parent/caretaker relatives. They said the expansion adult population would be most affected by the new federal requirements, which will shorten renewal periods from 12 months to 6 months and impose community engagement rules beginning in late 2026 and 2027. They described the work requirement as 80 hours per month of work, community service, work program participation, or half-time education, with an income-based pathway tied to $580 per month at the federal minimum wage; they also noted a long list of exemptions, but said many details are still awaiting federal guidance and rulemaking.
The administrators said federal changes to immigrant eligibility would eliminate Medicaid coverage for certain noncitizen categories, with an estimated 1,200 to 2,400 people affected, though about 200 may remain covered through a state-funded program for otherwise eligible individuals. They also said marketplace subsidies would no longer be available for some immigrants under 100% of the federal poverty level starting January 1, 2026, with further restrictions expected in 2027. For Hawaii overall, they estimated the new Medicaid work and renewal rules could push an additional 19,000 to 38,000 people into uninsured status, with another estimated 6,000 at risk from the six-month renewal process alone. Members asked about how exemptions would be determined, especially for medically frail and seriously mentally ill individuals, and administrators said they were still awaiting detailed federal rules and were working on data-matching and verification processes to reduce coverage losses.
MN
Transcript Highlights:
- This school year, our premiums increased 22%.
- <00:31:36.880>
increased This school year, our premiums increased This school year, our premiums - <00:31:53.280>
increases for slightly reduced premium increases for slightly reduced premium - When your premiums increase, when your co-pays increase, it's not that the quality of your health care
- When your premiums increase, when your co-pays increase, it's not that the quality of your health care
Bills:
HF3119
ND
North Dakota 2025-2026 Regular Session
House Floor Session Apr 16th, 2025 at 12:30 pm
North Dakota House Floor Meeting
Transcript Highlights:
- If we can slow the growth of premium costs, that does leave more room for compensation increases when
- employee premiums up to 5 percent and increasing co-pays and deductibles under the grandfathered plan
- That's a good plan, and that they're not paying premium dollars.
- We take off, well, how much is the premium of the grandfathered plan going to increase?
- , so the premiums were overcharged.
Summary:
The House convened with prayer, roll call, and a quorum present, then took up several procedural motions, including suspending House rules for three legislative days and replacing conference committee members on Senate Bill 2282 and SCR 4007. The chamber also recognized visiting student groups from Grafton/Pleasant Valley and Shiloh School. Later, the House agreed to several conference committee reports and moved a number of measures through final passage or final disposition.
House Bill 1428, which would have created a sales tax exemption for clothing sold by thrift stores or nonprofit corporations, drew extensive debate over tax policy, revenue loss, and possible conflicts with streamlined sales tax rules. Supporters argued it would help lower-income shoppers and nonprofit thrift stores, while opponents said it created an unfair advantage and could reduce state and local revenue. The conference report was adopted, but the bill ultimately failed on final vote, 37-54. House Bill 1440, relating to cigar lounges, was amended in conference and then passed 75-17. House Bill 1460, concerning adult foster care for private-pay adults, electronic monitoring, and a legislative study, was also adopted and passed overwhelmingly, 91-1.
The House then passed Senate Bill 2224, which revises gaming commission structure and gaming stamp requirements, adds Attorney General enforcement provisions, and includes a $25,000 general fund appropriation, by a vote of 88-0. Senate Bill 2327, which expands uses of the agriculture diversification and development fund and appropriates $15 million to it, passed 74-17 after a member was excused from voting due to a personal interest. Senate Bill 2267, creating a regulatory framework for on-site wastewater treatment systems and shifting licensing authority to the Department of Environmental Quality, passed 82-10, and Senate Bill 2276, addressing joint water resource boards for cross-county projects, passed 90-1.
The most contentious debate centered on Senate Bill 2160, which would move the state employee health plan from grandfathered status to a non-grandfathered ACA-compliant plan and appropriate about $6.6 million for the transition. Supporters said it would give the PERS board more flexibility, expand preventive and other benefits, and potentially slow premium growth without charging employees premiums. Opponents warned it could raise out-of-pocket costs, add mandated benefits, and shift costs to employees, while also arguing the bill had not been adequately studied. After extended debate, the House passed SB 2160 by a vote of 55-37. The chamber also concurred in Senate amendments to House Bill 1318, a pesticide labeling bill, and placed it on final passage, but the transcript ends before the final vote on that measure.
VT
Vermont 2025-2026 Regular Session
Senate Session - 2026-05-28 - 10:00AM
Vermont Senate Floor Meeting
Transcript Highlights:
- , property taxes, and then we hear, well, it's the healthcare premiums that are doing it.
- This bill is going to also reduce their premiums.
- , uh, 19.8% of our payroll goes to paying our premiums on paying our premiums on our health care.
- It's a sad day when we can't vote for reducing premium costs for our educators. ...reducing premium costs
- There's no way to do that without affecting health care premiums.
NH
New Hampshire 2025 Regular Session
House Commerce and Consumer Affairs (02/19/2025)
Transcript Highlights:
- We were informed that the responses suggest an average 50% increase in premiums, and that's not really
- We were informed that the responses suggest an average 50% increase in premiums, and that's not really
- We were informed that the responses suggest an average 50% increase in premiums, and that's not really
- Maybe they can increase the premium and not deny you; instead, they can ask for more money as a premium
- the premium and maybe they can increase the premium and not<04:22:58.239>
deny <04:22:59.239><
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.