FL

Florida 2025 Regular Session

January 14, 2025 - 01:00 PM

Transcript Highlights:

You have very limits on coverage.
How much water coverage do they choose?
Comprehensive coverage to go along with that.
So we do pay for the coverage.
. $5.17 per $1,000 of coverage, when in the past it was $5.23.

Summary: The subcommittee held its first meeting on homeowners property insurance, with members from both parties introducing themselves and repeatedly noting that insurance affordability, roof condition, claims handling, and storm recovery are top concerns for their districts. Chair Yeager said the meeting was intended as an educational discussion rather than a legislative debate, and introduced a panel that included Insurance Commissioner Mike Yaworski, consumer Chad Carr, agent Mary Catherine Lawler, insurer executive Melissa Burt DeVries, and policyholder attorney Chip Merlin. The panel and members discussed major cost drivers in Florida homeowners insurance, including inflation, home age, roof age, mitigation features, claims history, litigation costs, reinsurance, and the Florida Hurricane Catastrophe Fund. Commissioner Yaworski said underwriting has become more sophisticated and that litigation costs, reinsurance, and replacement-cost inflation all affect premiums; he also said litigation is down about 30% and average requested rate increases have fallen from about 22.1% in 2022 to 0.8% today. DeVries said age of home, replacement cost, roof age, and coverage choices can materially change premiums, and explained that reinsurance is a major expense passed through to consumers. Merlin emphasized transparency concerns, argued that insurers are increasingly individualizing risk, and said consumers often struggle with coverage limits, deductibles, and claim denials. Members asked about flood coverage, hurricane deductibles, managed repair programs, mitigation credits, new insurer capitalization, and whether savings from reforms are reaching consumers. Yaworski explained that flood is generally excluded from homeowners policies and covered separately, that hurricane deductibles are mandatory in Florida and usually around 5%, and that the office tracks savings from reforms through rate filings and insurer discussions. He said the state is updating mitigation discounts and monitoring new entrants closely for solvency and market conduct. Several members and panelists said recent reforms have helped reduce some abuses and litigation, but many consumers are still seeing higher premiums because replacement costs and reinsurance remain elevated. No votes or formal actions were taken.

MN

Minnesota 2025-2026 Regular Session

Committee on Finance - 04/23/26

Finance

Transcript Highlights:

The retroactive coverage change is from 3 months to either 1 month or 2, depending on the enrollees.
So red, blue, purple, and the coverage—it depends.
So red, blue, purple, and the coverage—it depends.
<01:07:13.000> Some<01:07:13.200> are and the coverage it depends.
Some are and the coverage it depends.

Keywords: 1187, senate, all

ND

North Dakota 2026 1st Special Session

Employee Benefits Programs Committee May 7th, 2026 at 10:00 am

Employee Benefits Programs Committee

Transcript Highlights:

If those pass, those get added to the coverage and then whatever coverage ends up being final after legislative
fully insured coverage and self-insured arrangements.
So that is what someone, what the family coverage costs and what the single coverage costs.
Those are the types of coverage we're looking to add.
Some that are asking for those additional coverages.

Keywords: 908, all

MN

Minnesota 2025-2026 Regular Session

Creating the Educator Group Insurance Program (Part 2) 2/26/26

Minnesota House Floor Meeting

Transcript Highlights:

Not only are premiums going up, but coverage is getting worse.
year depending on the selected plan. year depending on the selected plan.
<00:04:56.080> is premiums going up, but coverage is premiums going up, but coverage is getting
family, $39,000 for every employee who's currently ineligible and chooses to move to family coverage
, and $14,000 for every employee that's currently ineligible and chooses to move to single coverage.

Keywords: 1183, house

NH

New Hampshire 2025 Regular Session

House Finance Division I (02/21/2025)

Transcript Highlights:

<00:15:22.720> on question to answer because it depends on question to answer because it depends
have what you think is adequate coverage have what you think is adequate coverage for<00:19:18.320
to purchase and the individual coverage pool.
They also have to provide that coverage as well.
don't have coverage individuals who don't have coverage through<01:23:59.639> their<01:23:59.800

Keywords: 928, house, all

Summary: The committee heard testimony from Insurance Commissioner DJ Bettencourt on the New Hampshire Insurance Department budget. He said the department is self-funded through assessments on insurers based on New Hampshire premium volume, with about $8 billion in premiums written in the state and a department budget of roughly $15.5 million. He explained that the department has 88 authorized positions, eight vacancies, and that three full-time positions were unfunded after the governor’s requested 4% reduction exercise. He also said the department is trying to balance staffing needs with not overburdening carriers during a hard insurance market. A major topic was the department’s $2.6 million rebate to industry from the prior fiscal year, which Bettencourt described as a credit against the next assessment rather than a direct cash payment. Members questioned why that credit was not reflected as a reduction in the upcoming budget, and Bettencourt and staff explained that the budget assumes full staffing and full spending, with any year-end surplus returned to insurers. The commissioner said the department had added staff in recent years for succession planning and to preserve institutional expertise, and that the rebate reflects careful budgeting rather than excess spending. Members also asked about staffing changes by division, including positions unfunded in fraud, property and casualty examinations, life and health examinations, and tax. Bettencourt said fraud investigations remain strong and that the department can use outside contractors for examinations, with those costs billed to the company being examined. He also described the department’s examination process, including periodic financial exams and targeted market conduct reviews triggered by consumer complaints or trends. Additional questions covered OIT transfers, the department’s oversight of fully insured health coverage, the insurance premium tax and fines going to the general fund, and the department’s limited role in auto repair reimbursement disputes, where he said complaints have recently declined.

MN

Minnesota 2025-2026 Regular Session

How will federal law affect Medicaid in Minnesota? 2/24/26

Minnesota House Floor Meeting

Transcript Highlights:

um retroactive uh care coverage, um retroactive uh coverage<00:02:48.879> periods,<00:02:49.920
lawfully um depending on their immigration<00:02:57.280> status.
Above all else is to maintain coverage for people who are eligible for the program.
We may not know that, hey, this person got employer-sponsored coverage, for example.
Also, depending if through that process.

Keywords: 919, house, all

Summary: The Department of Human Services briefed the committee on how the federal HR1 law will affect Minnesota Medicaid and related programs. Budget Director Elise Bailey said the 900-page bill makes sweeping changes that will reduce coverage, increase administrative complexity for counties and tribal governments, raise uncompensated care for providers, and reduce federal funding. She reviewed current Medicaid spending and enrollment, emphasizing that the largest impacts will fall on the adult expansion group (adults ages 21-64 without children), which currently receives a 90% federal match. Bailey walked through several major provisions: work and community engagement requirements for the adult expansion group beginning January 1, 2027; six-month renewals for that same group; shorter retroactive coverage periods; new cost-sharing requirements for expansion enrollees above 100% of poverty; narrower Medicaid eligibility for certain lawful noncitizens; limits on provider taxes and state-directed payments; a reduced federal match for emergency medical assistance; and tighter federal rules on payment error penalties. She said many provisions require state law changes and additional federal guidance, and she cited research from Georgia suggesting work requirements increased administrative burden and caused coverage losses without increasing employment. The department estimated fiscal effects including reduced Medicaid spending in some areas but higher state costs in others, such as MinnesotaCare, emergency medical assistance, administrative systems, and provider uncompensated care. Bailey said the immigration-status changes would shift some people from Medical Assistance to MinnesotaCare, and that provider-tax and state-directed-payment changes could reduce future funding to hospitals and other providers. No votes or formal committee actions were taken in the portion provided; the presentation was informational and the department indicated it would return with proposed state-law language as needed.

MN

Minnesota 2025-2026 Regular Session

House Education Finance Committee 4/9/26

Education Finance

Transcript Highlights:

<00:09:22.440> And employees plus their dependents. And employees plus their dependents.
employees negotiate health coverage employees negotiate health coverage district<00:09:50.240>
, demand better rates, better coverage, demand better rates, better coverage, and<00:10:06.960>
We are paying more for less coverage. We are paying more for less coverage.
healthcare coverage. healthcare coverage.

Bills: HF3119

Keywords: teacher compensation, educational staff, unlicensed staff, minimum wage, inflation adjustment, education finance, 1183, house

LA

Louisiana 2026 Regular Session

Appropriations Apr 27th, 2026

Appropriations

Transcript Highlights:

It depended on the state, obviously.
And I guess... ...is one of the coverages that I believe is most needed.
House Bill 1231 provides relative to Medicaid coverage for pregnant women.
The extent, they don't know yet, because it depends on the enrollment.
So depending on who we brought into our pool, per se, it could cost money.

Bills: HB165, HB175, HB198, HB272, HB457, HB488, HB566, HB603, HB763, HB902, HB909, HB971, HB981, HB1066, HB1125, HB1154, HB1231

Keywords: HB165, lottery proceeds, Lottery Proceeds Fund, Veterans Service Grant Fund, constitutional amendment, veterans, military veterans, veterans' benefits, veterans services, family support, state lottery, education funding, Minimum Foundation Program, problem gambling, compulsive gaming, state treasurer, ballot proposition, constitutional referendum, lottery revenue, Louisiana resident veterans

AL

Alabama 2026 1st Special Session

Alabama Senate Finance and Taxation General Fund Committee Mar 10th, 2026

Keywords: child protection, sexual offenses, obscenity laws, visual material, anatomically correct dolls, mannequins, robots, criminal offenses, sexually explicit material, minors, artificial intelligence, sexually explicit, doll, mannequin, robot, law enforcement, healthcare, insurance, affordable care, access

MN

Minnesota 2025-2026 Regular Session

Legislative POCI Caucus Press Conference 6/9/25

Transcript Highlights:

<00:02:58.000> And depends on it. Let's do better. And depends on it. Let's do better.
Repealing that coverage health care.
Expanding health coverage wasn't work.
coverage to hardworking Providing coverage to hardworking motans,<00:08:17.919> especially<00
we maintain coverage for the 800 elders? we maintain coverage for the 800 elders?

Keywords: 919, house, all

Summary: Minnesota lawmakers and advocates held a press event focused on a special-session budget agreement that would repeal health coverage for undocumented immigrants. Speakers, including Rep. María Isa Pérez-Vega, Sen. Lieman, labor leaders, immigrant advocates, faith leaders, and other DFL/POCI caucus members, argued the repeal would harm about 17,000 people, increase uncompensated care costs, worsen ER and clinic wait times, reduce productivity, and ultimately raise costs for taxpayers and employers. They also said undocumented immigrants contribute significant tax revenue and that the measure was motivated by cruelty and scapegoating rather than fiscal responsibility. Testimony emphasized moral, public health, labor, and faith-based objections. Unidos Minnesota, SEIU Local 26, the Minnesota AFL-CIO, and Pastor Ingred Ramson all framed health care as a human right and said the policy would punish working families, immigrants, and communities of color. Several speakers linked the repeal to broader attacks on immigrants, labor rights, and other social protections, and warned that the compromise budget framework included a “poison pill” tying the health bill to the repeal. POCI caucus members said they had tried unsuccessfully to negotiate alternatives, including changes to paid leave, earned sick and safe time, non-compete bans, premiums, enrollment caps, and protections for children, elders, and people with chronic conditions. They said leadership was not part of the negotiations and expressed disappointment with DFL and governor-level decisions, while also saying they would continue to fight the policy and hold leaders accountable. No vote was taken in the event itself, but speakers repeatedly said the repeal was expected to pass and that they would oppose it and continue organizing in future sessions.

NH

New Hampshire 2025 Regular Session

House Commerce and Consumer Affairs (04/23/2025)

Transcript Highlights:

I believe the parents' coverage.
It depends on where you live, right?
receiverhip over that entity depending receiverhip over that entity depending on<04:27:24.239>
reserve depending on which line<04:28:32.159> of<04:28:32.319> coverage<04:28:32.640><
<04:54:49.520> I or potentially the same coverage. I or potentially the same coverage.

Keywords: 928, house, all

Summary: The committee first heard Senate Bill 47, sponsored by Sen. Regina Birdsell at the request of the Insurance Department. The bill would codify the department’s interpretation that a birth mother’s health insurance is the primary coverage for a newborn, unless the mother has no insurance or coverage under an employer-sponsored plan. Birdsell and Insurance Commissioner DJ Benton Court said the measure is a clarification of existing practice and intended to protect vulnerable newborns; a question from Rep. Miles clarified that if a young woman is on her parents’ policy, the newborn would generally be covered under that family coverage. The hearing on SB 47 was then closed. The committee then took up Senate Bill 121, introduced by Grant Bosi for Sen. Kevin Avard, which would require insurers to notify the Insurance Department when they stop writing an entire line of business or, in some cases, Medicare Advantage plans. Commissioner Benton Court said the bill arose from disruption in the Medicare Advantage market, where consumers, brokers, and the department were confused by carriers changing or ending offerings; he said the department wanted a simple notification requirement so it could better advise consumers. Members discussed network adequacy, county-based service areas, and the fact that the bill would make notice a condition of licensure, with possible fines or license action for noncompliance. Witness Paula Rogers of AHIP said her group supported the bill if amended, and the department indicated it would support a change from a 120-day notice period to 90 days to align with state rules; the committee planned to work on an amendment in subcommittee. Finally, the committee heard Senate Bill 247, introduced by Rep. Brian Cole, which would prohibit network exclusion of pharmacies that refuse to dispense prescriptions when PBM reimbursement is below acquisition cost. Cole argued the bill is meant to stop pharmacies from being forced to sell drugs at a loss, describing PBMs as middlemen and saying the measure is a compromise that protects local pharmacies. Members questioned whether consumers would pay more and whether pharmacies voluntarily enter PBM contracts; Cole responded that the bill would let pharmacies refuse unprofitable fills while consumers could still obtain the drug through mail order or other channels. He also said the issue has changed over time because the practice now affects a much larger share of generics and is concentrated among a few PBMs. The hearing remained open as questions continued, with no vote taken in the excerpt.

MN

Minnesota 2025 1st Special Session

Committee on Commerce and Consumer Protection - 01/30/25

Commerce and Consumer Protection

Transcript Highlights:

<00:05:01.520> with two different car offering coverage with two different car offering coverage
They get in coverage.
it is where entrepreneurs get coverage it is where entrepreneurs get their<00:51:43.400> coverage
turn to kind of like umbrella coverage turn to kind of like umbrella coverage if<01:36:18.960>
<01:41:43.800> on and some portion of it depending on and some portion of it depending on

Keywords: 1187, senate, all

Summary: The committee heard a reinsurance overview from Deputy Commissioner Julia Dryer of the Minnesota Department of Commerce on the Minnesota Premium Security Plan. She explained that reinsurance helps stabilize premiums in the individual market by reimbursing insurers for high-cost claims, and said Minnesota’s program has lowered premiums, preserved carrier participation, and helped maintain consumer choice. She warned that without continued funding, the program would be depleted and individual-market premiums could rise by about 25%, with potential losses in coverage and access to care. She also described the program’s structure under a federal 1332 waiver, the role of MCHA in administering the program, and the state’s receipt of more than $650 million in federal pass-through funds to date. Dryer said the current program is funded through the end of 2025, though the federal waiver authority runs through 2027. The governor’s proposal would create a new assessment on insurers, estimated at roughly 2% to 3%, to fund the state share of the program and avoid another full waiver submission. She noted that the proposal assumes MinnesotaCare funding would be held harmless and that the program would be reduced if federal basic health plan funding were negatively affected. She also said projected costs changed because individual-market enrollment has grown and enhanced federal subsidies were removed from the estimate. Members raised concerns about the proposal’s impact on premiums and the history of the fund. Senator Rasmusson argued the new assessment amounts to a large tax increase on health insurance and questioned who would be assessed and whether the surcharge would be capped. Dryer responded that the assessment would be based on annual claims experience and market conditions, with final amounts determined at the end of each year, not monthly. Senator Duckworth and Senator Frentz supported reinsurance as a way to keep premiums lower, while also questioning how the program should be financed. Senator Green asked about the mechanics of the assessment and the role of the department in setting it, and Senator H questioned why the fiscal note assumed 12% annual growth for program costs when general premium growth was lower. No vote or formal action was taken in the meeting.

CA

California 2025-2026 Regular Session

Joint Legislative Audit Committee Jun 1st, 2026

Joint Legislative Audit

Transcript Highlights:

And what has CalHR done to maximize coverage options to active and retired workers living either in or
program delivers comprehensive coverage through preferred provider organizations, also known as PPO,
Our dental program offers out-of-state coverage, just like our health plans.
We have approximately 450 individuals enrolled and using out-of-state coverage.
MetLife will offer two plans moving forward that will have out-of-state coverage as well.

Keywords: 988, house, all

Summary: The Joint Legislative Audit Committee met to hear status updates from the state auditor and consider several new audit requests. The auditor reported 10 JALAC audits in progress, including a new 2026 audit on DMV license revocation, and noted other statutory audits on the State Bar exam rollout, CSU/UC Title IX implementation, tobacco tax, state financial statements, federal compliance, and high-risk issues such as late financial reporting, Medi-Cal eligibility, and water infrastructure safety. The committee approved a consent calendar covering audits on UC library resources, law enforcement information sharing, EDD unemployment insurance claims, and Housing and Community Development housing development monitoring. The committee then considered Assembly Member DeMaio’s request to audit SANDAG’s road project management and use of transportation funds. DeMaio argued the audit was needed to examine whether restricted funds, voter-approved revenues, and project commitments were properly used and documented, citing prior problems with tolling and financial oversight. SANDAG’s CEO and CFO said the agency already undergoes extensive oversight and audits, has improved internal controls, and believed its funding uses were appropriate. Several members questioned whether the audit duplicated existing reviews and whether the issues were already public, and the request ultimately failed on a roll call vote. Next, Senator Valadares presented an audit of the Board of State and Community Corrections’ administration of Proposition 47 grants. Supporters said the audit would assess whether grant recipients comply with requirements and whether outcome and recidivism data are reliable, while BSCC said the program already has oversight, including biennial State Controller audits, and pointed to reported reductions in homelessness, unemployment, and recidivism. The committee approved the audit. Senator Cortese’s request to audit CalHR’s dental benefits procurement and Delta Dental contract also passed, with supporters citing rising out-of-pocket costs, provider network problems, and the long-running contract’s lack of competition; CalHR responded that most members have nearby access, it recently ran an RFP, and it will add MetLife as a second carrier in 2027. The committee then approved the remaining consent items and adjourned.

KY

Kentucky 2025 Regular Session

Interim Joint Committee on Banking and Insurance (10-14-25)

Transcript Highlights:

coverage over the exchange next year. coverage over the exchange next year.
>> It all depends on other rating factors. >> It all depends on other rating factors.
really just depends on the cycle. really just depends on the cycle.
More severe providing coverage.
, in coverage or a lapse in your coverage, in coverage or a lapse in your coverage, if<01:08:11.440

Keywords: Meeting Start 00:00:00 Call to Order and Roll Call 00:00:15 Department of Insurance Update 00:01:39 Department of Financial Institutions Update 00:37:07 Insurance Industry Update 00:54:50 Credit Union Industry Update 01:10:53, 958, all

Summary: The committee met with a quorum, approved the September 16 minutes, and then received an update from Insurance Commissioner Sharon Clark and staff on the Department of Insurance. Clark reviewed department activity, including growth in premium volume and licensing, consumer complaints and recoveries, and a rise in fraud referrals. She said the department has 66 open fraud cases and described common schemes such as staged auto accidents, inflated repair or cleanup charges, and roofing scams. She also said the department’s investigators often prepare strong cases but face reluctance from local prosecutors, especially in Fayette and Jefferson counties, to pursue them. Clark reported favorable workers’ compensation news, saying rates will decrease 9.7% next year for the 20th straight year. She contrasted that with a difficult property insurance market driven by storms, reinsurance costs, inflation, labor shortages, and litigation, but said Kentucky’s market remains relatively stable, citing the Kentucky Fair Plan’s small number of policies. She then warned of significant 2026 health insurance premium increases on the exchange: 16.1% for Molina, 23% for Anthem, and 37% for WCare, after CareSource withdrew. She said the rates were reviewed by actuaries and found fair, but that the biggest pressure point is the scheduled expiration of enhanced premium tax credits, which she said could leave about 90% of exchange enrollees facing a compounded increase. Members questioned Clark about fraud prosecution, the number of people in commercial versus public coverage, and the impact of expiring subsidies. Clark said the prosecution issue is mainly with Commonwealth attorneys and that rural counties are more cooperative than urban ones. She also said the health market is individually rated and that older enrollees would be hit harder, while the loss of tax credits could push some people out of the marketplace. One member asked about the attorney general’s recent opinion on SB 188, the PBM bill; staff said attorneys were still reviewing it. Clark closed by noting that Kentucky’s fraud and towing/storage legislation has become a model for other states.

Video & Transcript Research : 'dependent coverage'

Florida 2025 Regular Session

Minnesota 2025-2026 Regular Session

Finance

North Dakota 2026 1st Special Session

Employee Benefits Programs Committee

Minnesota 2025-2026 Regular Session

Minnesota House Floor Meeting

New Hampshire 2025 Regular Session

Minnesota 2025-2026 Regular Session

Minnesota House Floor Meeting

Minnesota 2025-2026 Regular Session

Education Finance

Louisiana 2026 Regular Session

Appropriations

Alabama 2026 1st Special Session

Finance and Taxation General Fund

Texas 89th Regular

Business & Commerce

Texas 89th Regular

Health & Human Services

Texas 89th Regular

Health & Human Services

Texas 89th Regular

Health & Human Services

Texas 89th Regular

Criminal Jurisprudence

Texas 89th Regular

Criminal Jurisprudence

Minnesota 2025-2026 Regular Session

New Hampshire 2025 Regular Session

Minnesota 2025 1st Special Session

Commerce and Consumer Protection

California 2025-2026 Regular Session

Joint Legislative Audit

Kentucky 2025 Regular Session