Transcript Highlights:

• premiums escalate by as much as 69%. premiums escalate by as much as 69%.
• costs, including health care premiums. costs, including health care premiums.
• see their premiums skyrocket. see their premiums skyrocket.
• Premiums will climb even higher.
• Premiums will climb even higher.

Keywords: U.S. House of Representatives Floor Proceedings on Wednesday, September 17, 2025, 1012, house, all

Transcript Highlights:

• And that would give our timber owners, cutters, a premium on their product.
• And that would give our timber owners, cutters, a premium on their product.
• And that would give our timber owners, cutters, a premium on their product.
• cutters, uh a premium on their product. cutters, uh a premium on their product.
• <00:24:55.600> on in Mile Lumber a chance for a premium on in Mile Lumber a chance for a premium

Keywords: 1191, senate, all

Transcript Highlights:

• California has experienced some of the highest insurance premium hikes in the U.S., with increases as
• California has experienced some of the highest insurance premium hikes in the U.S., with increases as
• in my district, the Little Tokyo Service Center, a community development nonprofit, had insurance premium
• premium. the Little Tokyo Service Center, a community development nonprofit, had insurance premiums
• So unlike market-rate developers, they cannot and should not pass on the cost of rising premiums to their

Summary: The Assembly Housing and Community Development Committee heard several housing-related bills. SB 996 by Senator Padilla would let manufactured homeowners opt to title their homes as real property, with supporters saying this would improve access to conventional mortgages, consumer protections, and lower-cost financing. SB 866 by Senator Blakespear would require cities and counties to include homelessness-related information in their annual housing element reports, with supporters saying the bill would improve transparency, regional coordination, and accountability around homelessness funding and services. The committee also heard SB 1090 by Senator Perez, which would impose a temporary moratorium in Altadena on certain state housing density laws after the Eaton Fire. Supporters, including Supervisor Catherine Barger and many Altadena residents, argued the bill would protect fire survivors from speculative investors and give families time to rebuild and return home. Opponents argued the bill could limit tools that homeowners need to finance rebuilding and could reduce future housing production. After extensive testimony, the committee passed SB 1090 to the Assembly Local Government Committee on a 10-0 vote. SB 1388 by Senator Durazo would create an Affordable Housing Risk Reduction Program to help affordable housing providers reduce insurance costs through technical assistance and risk-mitigation support. Supporters said rising insurance premiums are threatening the viability of affordable housing developments and existing units. The committee also reconsidered and then voted on SB 1092, which was taken up only for reconsideration and final vote; after a split vote, the bill ultimately passed the committee. Final recorded votes showed SB 866 and SB 996 passing unanimously, SB 1388 passing with one no vote and one not voting, and SB 1092 passing 7-5 after reconsideration.

Transcript Highlights:

• We're the only state that uses premium assistance.
• Also unique to the state of Arkansas, we're the only state that uses premium assistance, which is how
• We go out to the insurance marketplace and we buy silver-level premium policies for the expansion program
• Also unique to the state of Arkansas, we're the only state that uses premium assistance, which is how
• So we, as the Division of Human Services or department, will pay for those Part A and B premiums.

Summary: The Medicaid Subcommittee of the Legislative Joint Auditing Committee met to adopt the November 2018 minutes and receive a primer on the subcommittee’s role and Medicaid oversight in Arkansas. Legislative audit staff reviewed the subcommittee’s history and explained that Medicaid is audited annually through the statewide single audit because it is a high-risk federal program. Staff summarized recent audit findings, including weaknesses in eligibility and data-matching controls, improper use of Medicaid funds for partially non-Medicaid work, issues with incarcerated juveniles’ coverage, the absence of a Medicaid recovery audit contractor program exception request, reporting problems involving MFCU recoveries, and provider eligibility documentation concerns. Staff also noted a DHS departmental audit finding involving employees who improperly received benefits, which was referred for further action. The Department of Human Services gave an overview of Medicaid’s structure, eligibility, delivery systems, and budget. DHS described Arkansas Medicaid as covering about 850,000 people through fee-for-service, managed care, and premium assistance for the expansion population, and outlined major spending categories such as institutional care, long-term services, pharmacy, capitated payments, and supplemental payments. DHS also explained the difference between state plan amendments and waivers, and said it has a beneficiary-fraud unit that refers cases to local prosecutors. The Office of Medicaid Inspector General described its role in detecting and preventing fraud, waste, and abuse, distinguishing between suspensions for credible allegations of fraud and recovery actions for mistakes or overpayments. OMIG said it works with DHS and law enforcement, issues quarterly and annual reports, and has increased recoveries in recent years. The Attorney General’s Medicaid Fraud Control Unit explained that it prosecutes provider fraud criminally and civilly, can also handle long-term care neglect, abuse, and exploitation cases, and works with local prosecutors as special deputies. Committee members asked about court venue, provider suspensions, beneficiary fraud, education of providers, and the status of Medicaid expansion work requirements; DHS said it is preparing to implement community engagement requirements under HR 1 and will begin with a soft launch before full enforcement. No formal votes were taken beyond adoption of the minutes, and the meeting adjourned after questions were answered.

Transcript Highlights:

• Senate Bill 485 by Senator Edmonds provides for the levy of premium tax in the city of St. George.
• This transfers authority over insurance premium tax within the city of St.
• So it clarifies that insurers may only be subject to one local insurance premium tax for the same risk
• It defines insurance premium tax as a municipal license tax imposed on insurers, which is all consistent
• premium taxes, and administer those taxes.

Summary: The Municipal Program of Cultural Affairs Committee met with a quorum and took up three Senate bills by Senator Edmonds, all related to the new City of St. George. The first bill, SB 348, would allow a local enforcement agency to contract with third-party vendors for administrative support in motor vehicle liability enforcement, such as plate processing, insurance verification, and notices, while making clear the vendors would not have police powers. Members raised concerns that the bill as drafted appeared statewide rather than local to St. George, and discussed how to limit it properly. After debate, the committee adopted amendments to narrow SB 348 to cities incorporated after October 1, 2019 and to sunset the authority on July 31, 2028, with the understanding that St. George could return later with a properly advertised local bill. The bill then received favorable action. The committee then considered SB 485, which transfers authority to levy and collect the insurance premium tax within St. George to the city beginning January 1, 2027; it was reported favorably without objection. Finally, the committee heard SB 444, which gives St. George expropriation authority for public infrastructure projects such as roads, drainage, flood protection, water, sewer, and utilities, using procedures similar to other Louisiana municipalities and DOTD. Members asked about the process and confirmed it was standard municipal authority and not related to private industry. The bill was reported favorably without objection. The meeting ended with thanks to staff and members and a reminder that this was the committee’s last meeting.

Transcript Highlights:

• without insurance are less than an auto insurance premium.
• are less than an auto insurance premium are less than an auto insurance premium there<00:03:56.280
• If you could do something about homeowners insurance premiums, I would appreciate that.
• That reinsurance model keeping our premiums down.
• <01:06:26.000> and the work on insurance premiums and the work on insurance premiums and fairness

Keywords: 1187, senate, all

Transcript Highlights:

• ,<00:28:50.799> the pressure on the cost of premiums, the pressure on the cost of premiums
• in mind that what happens when premiums in mind that what happens when premiums go<01:01:17.599>
• reward quality and keep premiums stable. reward quality and keep premiums stable.
• So, we're increasing people's premiums.
• So, we're increasing people's premiums.

Keywords: 1191, senate, all

Transcript Highlights:

• It partially funds health insurance premiums and does not fund risk premiums or due rates.
• The health insurance premium—you're $75,000 short. 80/20 does more for anybody than pay does.
• The 80/20 in health care premium does more than it does for a 1% or a 4% increase? Mr.
• On your health care premiums, you have it in two places. And so it was $200, Mr. Chair.
• How could they be a different code when they're both healthy insurance premiums?

Bills: SB48, SB64, SB100

Keywords: State Fairgrounds District, fairgrounds bonds, public financing, bond authorization, gross receipts tax, gaming tax, tax-backed bonds, infrastructure funding, Albuquerque fairgrounds, State Fair Tid, economic development, municipal bonds, revenue pledge, capital projects, New Mexico finance, special education, office of special education, deputy secretary, public education department, IEP

Transcript Highlights:

• <02:39:16.720> from voted today to stop premiums from voted today to stop premiums from exploding
• And we lowered premiums by an average of $800 per person.
• And we lowered premiums by an average of $800 per person.
• And we lowered premiums by an average of $800 per person.
• And we lowered premiums by an average of $800 per person.

Keywords: U.S. House of Representatives Floor Proceedings on Tuesday, December 2, 2025, 1012, house, all

Transcript Highlights:

• Why, why would an insurance company, I don't see where it would increase our premiums.
• And as I've explained in many other testimonies, our insurance premiums and the way benefits are designed
• And in this space, I don't see a lot of relief coming to our pocketbooks when it comes to the premiums
• Uh, one is that you have to look at the lost costs, uh, against the premium to know whether the system
• at, uh, combined loss ratios, um, which is the, uh, the amount of money you're spending per, uh, premium

Transcript Highlights:

• As health insurance costs have increased over time, so too have employer premiums.
• As an example, this slide shows the annual premium cost trend for career service employee versus the
• employer annual premium contributions over the last decade.
• For the past decade, employer premiums have increased.
• Revenues are received from premium contributions, pharmacy rebates, refund of claims overpayments, and

Summary: The Budget Committee met with a quorum and took up several bills. HB 677, relating to state-covered fertility preservation for employees undergoing cancer treatment, was introduced as coverage for egg and sperm preservation for up to three years, with an estimated fiscal impact of about $813,000. After brief questions and no public testimony or amendments, the bill passed unanimously and was reported favorably. The committee then considered CS/HB 59, which would reform Florida’s wrongful incarceration compensation process by extending the filing deadline from 90 days to two years, removing the clean-hands requirement, and allowing exonerees to choose between the state compensation process and a civil lawsuit; it was supported by the City of Flagler Beach and passed unanimously. CS/HB 1313, which recreates the Resilient Florida Trust Fund in the Department of Environmental Protection before its scheduled termination in 2025, also passed unanimously after supportive testimony from advocacy groups. The committee received a lengthy presentation from the Department of Management Services on the State Group Insurance Program and the recent Revenue Estimating Conference. The presentation covered enrollment, revenues and expenditures, rising medical and pharmacy costs, emergency room utilization, GLP-1 drug spending, and options for tighter formulary and utilization management. Members asked about ER cost growth, GLP-1 coverage and copays, PBM oversight and potential conflicts, avoidable ER visits, cancer screening claims, dental and vision costs, specialty drug biosimilars, and possible savings from more restrictive pharmacy models. DMS said it would follow up on several questions and noted ongoing work on cancer coordination, preventive screening, biomarker testing, and a proposed member-facing benefits platform. The committee also heard extensive testimony on HB 301, which would raise sovereign immunity caps from $200,000 per person and $300,000 per incident to $1 million and $3 million, align limitations periods with private claims, and allow government entities to settle above the caps without a claims bill. Local governments, school-related entities, and county and city associations opposed the bill, warning of major fiscal impacts, higher insurance costs, and pressure on services; several speakers urged smaller increases or a tiered approach. Proponents, including families affected by catastrophic injury or death, argued the current caps are too low and the claims bill process is inefficient and unfair. After debate, the bill passed on a recorded vote, with some members voting no, and was reported favorably.

Transcript Highlights:

• It has an impact on premiums because it increases overall costs, so we have to cover the cost.
• Average premiums for small businesses have skyrocketed.
• Employee-sponsored health insurance premiums have increasingly... have increased significantly over the
• No matter how well-intentioned, these mandates often increase premiums, forcing employers to shoulder
• They and their families still pay high premiums every year.

Bills: HB138, HB335, HB388, HB138

Keywords: health impact analysis, cost analysis, coverage mandates, health insurance, legislative analysis, health care data, education, funding, classroom resources, teacher support, student outcomes, health benefits, provider dentists, payment reimbursement, insurance code, noncontracting, dental care, reimbursement, health benefit plans, noncontracting providers

Transcript Highlights:

• Mainly, our insurance premiums are up basically because of inflation and the things that we can't do
• the average U.S. family between $4,000 and $7,000 over a 10-year period in the form of increased premiums
• little bit of fraud mainly our stop a little bit of fraud mainly our insurance<00:08:03.639> premiums
• -year period in the form<00:09:00.839> of<00:09:01.079> increased<00:09:01.600> premiums
• and this bill form of increased premiums and this bill will<00:09:03.920> be<00:09:04.120>

Keywords: Meeting Start: 00:00 Roll Call: 00:20 SB18 Discussion: 01:36 SB18 Vote: 05:07 SB24 Discussion: 06:37 SB24 Vote: 10:50 HB524 Discussion: 12:03 HB524 Vote: 13:55 HB421 Discussion: 15:13 HB421 Vote: 20:50 HB236 Discussion: 21:53 HB236 Vote: 23:34 HB210 Discussion: 25:40 HB210 Vote: 29:56, 958, all

Summary: The committee met with a quorum and took up several insurance and health-related bills, beginning with Senate Bill 18, which was presented by Senator Girdler and insurance witness Adam Sheridan. The bill was described as addressing a shortage of garage liability insurance for used auto dealers in Kentucky, which has left many small dealers with only one or two coverage options and, in some cases, unable to obtain the insurance needed for a dealer license. The committee adopted a motion and second, then passed SB 18 unanimously and reported it favorably with the recommendation that it pass on the House floor. The committee then considered Senate Bill 24, also presented by Senator Girdler with testimony from Eric DeCampo of the National Insurance Crime Bureau. The bill was framed as an anti-fraud measure that would expand the definition of a fraudulent insurance act to cover misrepresentations about property damage and repair costs in property insurance claims. Testimony emphasized that insurance fraud raises premiums for consumers and that the bill would help deter inflated or fabricated claims. After a brief question about whether the bill created new felonies, the committee voted to pass SB 24 unanimously and report it favorably. House Bill 524, presented by Rep. Aaron Thompson with officials from the Office of the Controller and State Risk, would extend reinsurance requirements for the state’s fire and tornado/self-insurance fund from July 1 of this year to July 1, 2030, and rename the fund the Commonwealth’s Property and Casualty Insurance Fund. The bill was moved, seconded, and passed unanimously. House Bill 421, presented by Rep. Amy Neighbors, would require full coverage of FDA-approved bowel preps without out-of-pocket cost or prior authorization issues and update colorectal cancer screening coverage rules for high-risk patients by incorporating multisociety task force guidelines. Members discussed the bill’s personal importance and its minimal fiscal impact; it passed unanimously with a committee substitute. House Bill 236, presented by Rep. Adam Moore and Commissioner Sharon Clark, would cap annual out-of-pocket costs for epinephrine at $100. Members spoke in support, including personal remarks about the importance of access to epinephrine, and the bill passed unanimously with a favorable recommendation. Finally, House Bill 210, presented by Rep. Michael “Sarge” Pollock and Dr. Steve Robertson of the Kentucky Dental Association, addressed dental limited benefit plans and direct payment to dentists. Members asked whether the bill also affected vision/hearing arrangements or third-party administrators; the witness said it was intended for non-ERISA dental plans in Kentucky and suggested follow-up with the commissioner for further clarification. The committee adopted the committee substitute and then passed HB 210 favorably, with 15 yes votes and no votes against. The meeting then adjourned, with a reminder about the Banking and Insurance dinner later that evening.

Transcript Highlights:

• WAS WHAT CAN THE STATE DO TO HELP PEOPLE HARDEN HOMES AND MITIGATE AGAINST RISK TO THEN LEAD TO A PREMIUM
• PREMIUMS. THE POINT OF THE SLIDE IS SIMPLY TO SAY THAT WE ARE TRYING TO WORK AGAINST THE GRAIN.
• GENERALLY PREMIUMS HAVE BEEN GOING UP AS WE KNOW AND WE ARE TRYING TO DO WHAT WE CAN WITH OUR PART OF
• YOU CAN SEE 12,000 REDUCTIONS AND SEVEN THEY HAD NO CHANGE IN PREMIUM.
• SO THERE ARE LOTS OF THINGS WE HAVE THAT CAN AFFECT THE PREMIUM THAT THEY ARE QUOTED.

Keywords: 999, senate, all

Transcript Highlights:

• It's a premium-price product.
• It's a premium price product.
• This goal is not realized by mandated adoption of a premium technology that is limited in supply, This
• goal is not realized by mandating adoption of a premium technology that is limited in supply and not
• This goal is not realized by mandated adoption of a premium technology that is limited in supply, This

Keywords: 995, all

Summary: The commission met for its fourth hearing on emerging firearm technology, focused on personalized firearms and related privacy issues. Co-chairs noted the commission’s charge to study personalized firearm incentives, risks from digital manufacturing codes and AI, and the costs of requiring personalized firearm and microstamp technologies, and said the report deadline is being extended to July 31. They also announced the next public hearing for April 17 at 11:00 a.m., limited to Massachusetts residents. The first witness, Kai Kloepfer of Biofire, described the company’s personalized 9mm smart gun and argued it is designed to prevent unauthorized use through biometric authentication, local encrypted data storage, no wireless connectivity, and automatic disarming when released. He said Biofire opposes any mandate requiring personalized firearms, calling such mandates a de facto gun ban that would stifle innovation, limit consumer choice, and burden a still-developing market. He said the company has a patent portfolio, has received thousands of pre-orders, is shipping in all 50 states, and is approved for sale in Massachusetts; he also said the gun costs about $1,500, is currently sold online, and is intended mainly for home defense. Members questioned him about sales, manufacturing, battery life, repairability, transfer of ownership, possible expansion to other firearms, and whether microstamping could be incorporated. A Massachusetts firearms roster official, Michaela Dunn, explained the state’s testing and approval process for handguns and confirmed that the Biofire firearm is now on the Massachusetts roster and commercially available for retail sale in the state. Kate Crockford of the ACLU of Massachusetts testified only on facial recognition, warning that commercially available systems show significant demographic bias and that Massachusetts lacks comprehensive biometric privacy protections. She urged passage of pending data privacy and biometric privacy bills, including the Massachusetts Data Privacy Act and related measures, before any broader use of biometric verification in firearm laws. Commissioners discussed privacy concerns, and Biofire said its system is zero-knowledge and would likely comply with stronger biometric privacy laws. No votes were taken and no formal action was reported beyond the scheduling announcement and the extension effort.

Bills: SB2026, SB1376, SB1355, SB2115, SB1533, SB1732, SB1217, SB1443, SB1455, SB1457, SB1459, SB1465, SB1944, SB1946, SB1218, SB1942, SB1352, SB2132, SB1920, SB1285, SB1304, SB1305, SB1326, SB1590, SB1767

Keywords: military discharge, veterans, DD Form 214, confidentiality, grandchildren access, Oklahoma National Guard, education assistance, military benefits, dependents, CareerTech Assistance Act, burial grant, memorial headstone, eligibility requirements, funding, Oklahoma Department of Veterans Affairs, fiscal management, state law, veteran burial, burial assistance, indigent veterans

Bills: SCR 22, SB 53, SB 204, SB 266, SB 268, SB 291, SB 292, SB 296, SB 304, SB 305, SB 413, SB 447, SB 455, SB 462, SB 493, SB 504, SB 519, SB 522, SB 532, SB 541, SB 667, SB 670, SB 673, SB 681, SB 687, SB 711, SB 746, SB 765, SB 783, SB 827, SB 850, SB 860, SB 888, SB 897, SB 901, SB 927, SB 955, SB 963, SB 984, SB 989, SB 993, SB 996, SB 1023, SB 1033, SB 1058, SB 1062, SB 1101, SB 1119, SB 1172, SB 1173, SB 1215, SB 1220, SB 1227, SB 1228, SB 1229, SB 1238, SB 1239, SB 1245, SB 1248, SB 1254, SB 1259, SB 1273, SB 1277, SB 1302, SB 1332, SB 1341, SB 1346, SB 1350, SB 1352, SB 1353, SB 1355, SB 1358, SB 1370, SB 1371, SB 1378, SB 1403, SB 1404, SB 1415, SB 1437, SB 1448, SB 1450, SB 1464, SB 1493, SB 1494, SB 1537, SB 1566, SB 1569, SB 1589, SB 1598, SB 1644, SB 1709, SB 1719, SB 1729, SB 1733, SB 1744, SB 1772, SB 1810, SB 1841, SB 1895, SB 1930, SB 2039, SB 2289, SB 2312, SCR 1, SCR 6, SCR 27, SCR 32, SB 2232

Keywords: mental health, court proceedings, notice requirements, legal filings, electronic documents, parental rights, education, school trustees, training, handbook, tax collection, managed audits, taxpayer rights, dispute resolution, penalty, health care, licensing, complaint procedure, disciplinary action, law enforcement

Transcript Highlights:

• Still the premiums are the same or they go up, but then we have to fight to get the medication we need
• You're going to get questions as to, okay, well, does that mean that my premium is going down by 11%?
• You're going to get questions as to, okay, well, does that mean that my premium is going down by 11%?
• This will not be a one-size-fits... ...mean that my premium is going down by 11%?
• there is that very transparent, very solid actuarial foundation to what is deriving the rates and premiums

Summary: The State Insurance Programs Oversight Subcommittee met on June 17 and reviewed a series of Employee Benefits Division and Office of Property Risk items. The committee approved formulary changes for March and April that favored lower-cost generics, removed some new-to-market drugs from coverage pending more evidence, and made maintenance changes to migraine and diabetes medications. Members also approved a cell and gene therapy policy that would route those therapies through prior authorization rather than automatic coverage; officials said the process should not delay urgent cases and that no current members would be affected. The committee then reviewed a UAMS pharmacy benefit consultant contract amendment, but after extended discussion about the written scope and dollar amounts, the motion was approved with the understanding that any use of optional services would return to the committee for further review. The committee also reviewed the U.S. Able Mutual/Blue Advantage third-party administration contract and the CompSack employee assistance program contract, which officials said would reduce per-member costs and add services. The subcommittee approved proposed 2027 rates for state employees and public employees, with a 9.8% increase for state employees and a 4.9% increase for public school employees. Officials also reported that the UnitedHealthcare rebid was in its final negotiation stage and would return in August, with medical and pharmacy coverage split as previously recommended. In response to questions, the director said the division was considering broader preventive-care offerings, including weight-loss drug coverage, but would proceed cautiously and with strong utilization controls and holistic support if such a program were adopted. On the property risk side, the committee reviewed permanent rules making prior temporary rules permanent, a contingency-fee subrogation contract, and renewals for claims management, actuarial services, and investment management. Members raised concerns about Sedgwick’s claim-adjustment timeliness and communication with school districts after severe weather events; officials said performance guarantees and communication expectations had been strengthened, but the renewal was kept at three years for continuity. Finally, the committee approved 2026-27 captive insurance program rates, which included no change to minimum deductibles, a 10% overall rate reduction, and bucketed rate changes by entity type. Officials said the captive program was working as intended, with improved actuarial support and claims experience, and the meeting adjourned after the approvals.

Transcript Highlights:

• The costs associated with the rise in our premiums and the flexibility that will give us long term.
• The one thing that we're not doing is we're not implementing a monthly premium or anything along those
• We will be, as some have mentioned, at the mercy of premium costs, and we won't have any option but to
• I mean, we were trying to meet the bare minimums and try to keep the premiums where they were.
• I know a lot of farms that are in these small groups are $25,000 to $30,000 premiums.

Keywords: 908, all

Summary: The committee met to consider four policy bills and discussed a possible later return to handle DOCR amendments and budget work. They first took up HB 1327, funding for the Agricultural Diversification and Development Fund, and adopted an amendment striking language that would have capped up to $10 million for agricultural infrastructure grants to political subdivisions. The bill was then passed as amended on a 22-0 vote, with Rep. Belts assigned as carrier. Next, the committee considered SB 2256, the Research Technology Park grant. Rep. Stemen offered an amendment reducing the appropriation amounts from the original figures to $10 million and $5 million levels, citing available funding; the amendment passed 19-3. The bill then passed as amended 22-0, and Rep. Stemen agreed to carry it. The committee then debated SB 2093, which combined a retired peace officers/surviving spouses benefit with an added income tax reduction. Rep. Munson moved to remove the income tax portion, and the committee agreed 17-4. The remaining peace officer benefit portion was then passed as amended 21-0, with Rep. Kempenich carrying it. Finally, the committee considered HB 2160, changing the state health plan from grandfathered to non-grandfathered status. Members discussed cost shifting, employee retention, out-of-pocket exposure, and the updated fiscal note; the committee adopted an amendment updating the appropriation figures to match the current PERS/Deloitte analysis, then passed the bill as amended 15-7-1, with Rep. Worry originally the carrier.

Transcript Highlights:

• Also, medical premiums are to them.
• And those premiums are and employees.
• And those premiums are determined<00:25:06.480> by<00:25:06.960> MMB.
• Uh, if we didn't do any cost analysis, how do we know what the premium should have changed? >> Ms.
• Urick, I'll let you answer, but we're not in this benefit book considering the premium that's paid.

Keywords: 1183, house