Transcript Highlights:

• Well, let me then just add that the other version had an actuarial analysis of negligible.
• to get an actuarial analysis in this past session.
• </c> will say, is there an actuarial will say, is there an actuarial calculation<00:37:08.079><c> of<
• the actuarial determined said the actuarial determined contribution<00:42:36.000><c> for</c><00:42:36.160
• ><c> determined</c> And additionally, the actuary determined And additionally, the actuary determined

Summary: The committee heard testimony from Rep. Ashley Tacket Laferty on a bill to expand minimum hazardous-duty retirement and health benefits for certain public safety workers injured in the line of duty. She used a video and examples from Floyd County to describe officers and an emergency management director who were catastrophically injured but did not qualify for existing hazardous-duty coverage because their employers had enrolled them in non-hazardous retirement plans. The bill would provide a minimum benefit of 25% of pay, plus 10% for dependent children and limited health coverage, for eligible workers who cannot return to hazardous work. Laferty said the proposal would apply retroactively through a five-year window, estimated to affect a limited number of workers statewide, and would be funded by small increases in employer contribution rates. Committee members questioned how many former employees might qualify, how the bill interacts with the pension system, and who would pay the added cost. Discussion also noted that local governments choose whether to place employees in hazardous or non-hazardous coverage, largely based on cost. The sheriff’s association was present online in support, and no vote was taken. The committee then heard Rep. Daniel Gber present a revised bill allowing teachers and school district employees to use accumulated sick leave to observe religious holidays not already on the school calendar, if they provide a personal statement and sufficient advance notice. He said the measure is intended to address the rigid school calendar and the difficulty teachers face in observing non-school holidays without losing service credit toward retirement. He noted that the earlier version of the bill had allowed make-up work time, but the current draft is shorter and focused on sick leave use. He also referenced a supporting letter from a constituent who could not attend because of weather. The bill was presented for discussion only, with no committee action reported.

Transcript Highlights:

• It was converted to an actuarial study.
• So we put the actuarial study out to bid for folks to, you know, bid on that, and it was essentially,
• study um and converted to a an Actuarial study um and so<00:17:50.960><c> we</c><00:17:51.280><c> we
• </c><00:18:11.280><c> study</c> and no one had B on the Actuarial study and no one had B on the Actuarial
• <00:18:32.679><c> study</c> Actuarial study Actuarial study we<00:18:35.240><c> I</c><00:18:35.360><c

Summary: The Joint Committee on Labor and Judiciary heard the Judiciary’s budget presentation from Brandon Kimura and other court administrators. The Judiciary outlined its mission and access-to-justice programs, including specialty courts, self-help centers, online small claims dispute resolution, and e-reminders. It requested an operating budget of $6.17 million in FY 2026 and $6.25 million in FY 2027, along with 17 permanent and one temporary position, and described a series of staffing and program requests tied to specialty courts, district court operations, technology, and public guardianship. Major program requests included making women’s court permanent by converting seven temporary positions to permanent and adding a substance use counselor; expanding truancy court and the Early Education Intervention Program on Oahu; and making the driving while impaired court permanent. The Judiciary also sought staffing and funding for the new Wahiawa District Court, including security, janitorial, IT, clerical, bailiff, and social worker support, plus an additional district court judge and staff in Kona. Technology requests included cybersecurity tools and a cybersecurity unit, enhanced email protection, and replacement of aging network switches. Other operating requests included continued funding for the Criminal Justice Research Institute, restoration of 12 positions cut during the pandemic, and added support for the Office of the Public Guardian. For capital improvement projects, the Judiciary’s top priorities were $4 million to design a new South Kohala District Court, $900,000 to replace an aging AC chiller on Kauai, and $5 million for lump-sum facility preservation work. Members asked questions about purchase-of-service contract rates, implementation of court-appointed fee increases, federal grant dependence, specialty court effectiveness, truancy court outcomes, and the condition of the Ewa District Court site. Judiciary witnesses said they were working to raise provider rates through contracts and a separate bill, cited low recidivism and reduced petitions as evidence that specialty courts and truancy efforts are working, and said the Ewa site has significant foundation issues that may require further assessment or a different location.

Transcript Highlights:

• And so that helps actuaries remain, I think, with premiums.
• So one, I want to understand where your actuary analysis comes from because I can give you examples of
• I'm going to turn it to my colleague at OSI, but the actuarial analysis that's provided directly from
• Also, the actuarial looked at different states.
• Actuarial analysis is so expensive. So...

Bills: SB101 , SB21 , HM52 , HB132 , SB14 , SB20

Committee: House House Health & Human Services

Keywords: SB 101, Health Care Delivery and Access Act, repeal of repeal, sunset repeal, delayed repeal, health care, healthcare, access to care, medical services, provider regulation, state health law, New Mexico, SB 21, Medicare supplement, Medigap, open enrollment, guaranteed issue, birthday month enrollment, health insurance, insurance regulation

Transcript Highlights:

• needed to complete the actuarial analysis review.
• It changes the standard of review of actuarial analyses from a determination of whether the applicant
• It requires that appeals of determinations that the applicant's actuarial balance is not satisfactory
• It requires that when notifying an applicant that the actuarial balance is not satisfactory, the OIC
• This bill will require the Office of Insurance Commissioner to look at the actuarial studies that these

Summary: The House Health Care & Wellness Committee held public hearings on HB 2564 and HB 2599, then moved into executive session on several bills. HB 2599, which would restrict the use of AI in therapy and psychotherapy services, drew strong support from the prime sponsor, mental health professional groups, a privacy advocate, and an AI ethics researcher, all of whom warned that chatbots can mislead users, encourage delusions or self-harm, and lack licensure, accountability, and confidentiality protections. Several witnesses from health systems and telehealth organizations supported the bill’s intent but asked for narrower definitions and amendments to avoid unintended impacts on clinician-supervised tools, screening questionnaires, scribes, and other legitimate uses of AI. No vote was taken on HB 2599 during the hearing. HB 2564, which would give the Health Benefit Exchange authority to adopt market-factor certification criteria for exchange plans, was presented as a way to address affordability, bare counties, and plan duplication. Supporters included the Exchange, consumer advocates, rural and tribal representatives, navigators, and some individual consumers, who said the bill could improve access, preserve bronze plan availability, and help stabilize the market in counties with too few carriers. Opponents from health plans, Regence, Premier, and insurance producer groups argued the bill would expand exchange authority without clear standards, could reduce competition and carrier participation, and might conflict with existing OIC filing and confidentiality processes; the OIC supported the bill but requested an amendment on rate disclosure timing. The committee then moved to executive session and later reported out HB 1784, HB 2242, HB 2384, and HB 2505 with due pass recommendations, while deferring action on HB 1809 and HB 2261. In executive session, the committee adopted a substitute for HB 1784 on certified medical assistants by an 18-0 vote, adopted one amendment and passed a substitute for HB 2242 on preventive services and immunization recommendations by an 11-7 vote, and passed a substitute for HB 2384 on actuarial reviews for continuing care retirement communities by a 16-2 vote. It also adopted an amendment and passed a substitute for HB 2505 on limited adult family home licensure exemptions for certain foster family situations by an 18-0 vote. The meeting adjourned after those actions.

Transcript Highlights:

• House Bill 2188 requires L&I to publish the actuarial indicated rate for each workers' compensation risk
• rate, If L&I limits the maximum premium rate increase for any risk classification below that actuarial
• We see the actuarial studies, and in particular last year from the studies, we had the 13.6, I believe
• So we see maybe it needs to be, based on actuarial studies, the increase should be 5%, and we take a
• However, the actuarial rate, the one that needed to keep the system fully solvent, was 13%.

Summary: The Labor and Workplace Standards Committee met on January 28, 2026, first hearing staff briefings and then taking executive action on House Bills 1571, 2144, 2191, and 2372. HB 1571 would make heart conditions a presumptive occupational disease for certain firefighters and law enforcement officers; members spoke in support of the bill as a response to the stresses and exposures of those jobs, and it was reported out 8-1 with a do-pass recommendation. HB 2144 would require notice to employees when employers use electronic monitoring for performance evaluations. The committee considered several amendments to a proposed substitute, adopting an amendment clarifying private communications protections but rejecting amendments to broaden emergency exceptions and remove the private right of action. The bill, as amended, passed 6-3. HB 2191 concerns wages in the construction industry and employer/contractor liability for unpaid wages. The committee considered a proposed substitute and several amendments. Members rejected amendments to include public entities as owners and to extend the right to cure to subcontractors, but adopted amendments removing Attorney General enforcement authority and making additional clarifying changes. Supporters emphasized accountability for unpaid wages and protecting vulnerable workers; opponents raised concerns about the scope of liability. The amended bill was reported out 6-3. HB 2372 would require workers’ compensation time loss benefits to include the full employer health care premium contribution rather than a partial percentage. An amendment to add L&I invoice and notice requirements and bar attorney fees on the health-care-premium portion was rejected, and the bill was then reported out 6-3. The committee also held public hearings on HB 2563 and HB 2188. HB 2563 would allow the Office of Administrative Hearings to automatically serve unemployment-case notices electronically during a pilot period ending July 30, 2029. OAH testified that the change would reduce mailing costs and improve service, while the Unemployment Law Project warned it would harm claimants with limited digital access and create procedural barriers; no action was taken during the hearing. HB 2188 would require L&I to publish actuarial indicated workers’ compensation rates and explain when rate caps shift costs to other classes. Business groups supported the transparency measure, and L&I testified it could provide the information and that the bill would have no fiscal impact; the hearing was closed without action.

Transcript Highlights:

• Actuarially sound rates is is... policy. We do cover renters, landlords, obviously owner occupied.
• Actuarially sound rates is is So, just at a really high level, right, actuarially sound rates are simple—although
• the actuaries will tell you it’s not simple—but it’s pretty simple, right?
• And if they are, then you have actuarially sound rates.
• That’s a very high-level description from a non-actuary.

Committee: House Insurance

Transcript Highlights:

• And the law says right now when the TRS actuary determines that the fund is fully funded, then the TRS
• Full funding is determined by the TRS actuary. This says it's fully funded when it hits 100%.
• by the TRS actuary this says it's<00:19:48.320><c> fully</c><00:19:48.640><c> funded</c><00:19:49.000
• assumptions overnight so we Actuarial assumptions overnight so we believe<00:20:14.640><c> uh</c><00
• would say a prudent level of actuary would say a prudent level of funding<00:20:18.320><c> might</c>

Summary: The committee met with a quorum and first took up House Bill 545, a routine claims bill. Representative Tim Truett explained it as a measure to pay debts the Commonwealth owes. The bill received a motion, a second, and a roll call vote, and passed with favorable expression and no nay votes. Members then considered House Joint Resolution 54, which related to the Kentucky State Fair Board’s expansion plan. The chair explained that the resolution simply acknowledged receipt and approval of the plan so previously appropriated funds could be released. The resolution passed by roll call with no nay votes and was reported favorably to the floor. The main discussion centered on House Bill 694, concerning the Kentucky Teachers Retirement System medical insurance fund and the 2010 “shared responsibility” agreement. The bill would redirect employer contributions from local districts from the health side to the pension side once the plan reaches 100% funded. The chair and Senator Givens argued the bill was a continuation of the state’s long-term commitment to TRS and taxpayer responsibility, while Senator Neal raised concerns about fairness, the timing of the change, and whether the original agreement and statutory trigger for TRS board recommendations had been honored. Testimony from KEA President Eddie Campbell and former Jefferson County Teachers Association president Brent McMahan supported the 2010 agreement but urged the committee to pause the bill, saying the parties should return to the table and that the current proposal could conflict with the original understanding, create actuarial and legal issues, and potentially affect school district finances and bond ratings. Despite those concerns, the committee voted 8-1 to pass House Bill 694 with favorable expression, with Senator Neal voting no and explaining his objection as a process and good-faith concern.

Transcript Highlights:

• So can you talk to me about the actuarial note and the savings?
• No, I cannot talk to you, but I don't know what the actuarial note is on.
• I don't know what the actuarial note is on. I know there's no state impact on it.
• So we're asking that it would be set at 3% above the actuarial rate.
• But there's no way the actuarial increases will be borne on the taxpayer.

Bills: HR70 , HR71 , HCR35 , HB31 , HB326 , HB1013 , HB1014 , HB1015 , HB1016 , HR65 , HR66 , HR67 , HR68 , HR69 , HCR33 , HCR34 , HB1006 , HB1007 , HB1008 , HB1010 , HB1011 , SB2 , SB13 , SB24 , SB28 , SB40 , SB47 , SB48 , SB70 , SB79 , SB80 , SB109 , SB127 , SB139 , SB154 , SB181 , SB199 , SB200 , SB208 , SB277 , SB317 , SB336 , SB349 , SB357 , HR15 , HR20 , HCR14 , HB51 , HB58 , HB69 , HB82 , HB93 , HB143 , HB166 , HB199 , HB201 , HB202 , HB218 , HB222 , HB223 , HB224 , HB231 , HB235 , HB246 , HB338 , HB349 , HB352 , HB379 , HB405 , HB429 , HB535 , HB547 , HB577 , HB588 , HB626 , HB636 , HB652 , HB653 , HB669 , HB688 , HB691 , HB721 , HB738 , HB749 , HB806 , HB843 , HB851 , HB857 , HB861 , HB889 , HB904 , HB907 , HB908 , HB929 , HB955 , HB1009 , HB952 , HB8 , HB9 , HB10 , HB15 , HB16 , HB17 , HB18 , HB19 , HB22 , HB33 , HB34 , HB35 , HB44 , HB46 , HB47 , HB48 , HB61 , HB101 , HB126 , HB135 , HB142 , HB164 , HB185 , HB215 , HB226 , HB232 , HB233 , HB242 , HB284 , HB292 , HB297 , HB301 , HB334 , HB436 , HB468 , HB548 , HB571 , HB582 , HB593 , HB594 , HB609 , HB613 , HB712 , HB722 , HB732 , HB746 , HB827 , HB845 , HB848 , HB921 , HB923 , HB951 , HB953 , HB999 , HB53 , HB57 , HB64 , HB102 , HB106 , HB111 , HB137 , HB152 , HB155 , HB177 , HB238 , HB256 , HB258 , HB337 , HB359 , HB363 , HB386 , HB434 , HB546 , HB557 , HB584 , HB661 , HB697 , HB726 , HB727 , HB747 , HB756 , HB758 , HB759 , HB765 , HB767 , HB825 , HB858 , HB930 , HB941 , HB957 , HB964 , HB868 , HB119 , HB140 , HB739 , HB842 , HB875 , HB919 , HB52 , HB228 , HB289 , HB735 , HB796 , HB901 , HB193 , HB400 , HB570 , HB733

Summary: The House convened with a quorum, heard a prayer and pledge, adopted the journal, and received Senate messages, committee reports, and a large number of bill introductions and committee referrals. Several resolutions were adopted without objection, including condolences, commendations, and designations such as Jeanerette as the French bread capital of Louisiana and recognition of Women’s History Month. The chamber also received numerous House and Senate bills for referral, many involving retirement systems, education, transportation, criminal justice, natural resources, and local government matters. The floor then moved through a long series of House bills, with many local and retirement measures passing unanimously or near-unanimously. Among the bills discussed were changes to retirement systems for district attorneys, clerks of court, sheriffs and deputies, assessors, and municipal police employees; local court jurisdiction and commissioner authority; bankruptcy and succession thresholds; civil procedure revisions; and measures on election administration, public records, seafood labeling and safety, state symbols, and OMV fees. Members asked questions on several bills, especially about fiscal impact, retirement governance, and procedural changes, but most bills advanced with little opposition. A few bills were returned to the calendar, including HB 9, HB 61, HB 126, HB 185, HB 233, HB 284, HB 301, HB 436, HB 468, HB 582, HB 613, and HB 722. The House also considered bills affecting education, labor, health, and public safety, including employment certificates for minors, student questionnaires and hazing procedures, a state seal of fine arts diploma, Louisiana Works reauthorization, naloxone immunity, veterans’ medical-record fee waivers, and a bill creating a privacy protection act for sex offense victims. Several measures drew brief debate over fairness, administrative burden, or humanitarian concerns, such as a bill requiring a Rule 10.1 conference before requests for admissions are deemed admitted, and a bill allowing OMV fee waivers in emergency or humanitarian situations. Most of the bills taken up on the floor passed, often by wide margins, with a few receiving a small number of dissenting votes.

Transcript Highlights:

• The only thing it's in a valuation map is information... Tell you something.
• The only thing in a valuation map is information such as the books and pages of where the parcels that
• Would those railroad companies have to provide these station and valuation maps if it's already been
• The valuation map wouldn't change just because it was railbanked and turned into a trail or anything
• They still would have the right-of-way valuation maps.

Committee: House Special Committee on Rural Issues

Summary: The committee heard House Bill 3114, which would require operating railroads in Missouri to provide digital copies of valuation and station maps to the state land surveyor for inclusion in a public repository. The sponsor said the bill is intended to help surveyors locate abandoned railroad rights-of-way and determine center lines for adjoining landowners’ reversionary rights. Committee members asked about whether the bill would apply to active versus abandoned lines, whether records still exist for older railroads, and whether a deadline should be added for compliance. Railroad testimony raised concerns about the breadth of the request, potential security and proprietary issues, and the burden of compiling historical records, while indicating a willingness to continue discussions and possibly work with surveyors on a more targeted process. The committee then heard House Bill 2298, which would remove the current exemption for electric cooperatives from the requirement that condemning entities pay 150% of appraised value in eminent domain cases. The sponsor argued that co-ops should be treated the same as regulated utilities because landowners face the same burden when transmission lines cross their property, and he cited examples where co-op offers were far below what he believed comparable utility projects would pay. Landowners and a lawyer testifying in favor described alleged unfair treatment, uneven compensation, and the impact of transmission lines on farm operations and property value, while emphasizing that the bill would simply put co-ops on the same footing as other utilities. Opposition testimony from Associated Industries of Missouri and the Missouri Electric Cooperatives argued that the bill would interfere with the cooperative model, which is member-owned and governed by elected boards, and would reduce flexibility in negotiating easements. The co-op representative said the organizations are not partnered with Grain Belt Express, that any interconnection compensation is separate from the project itself, and that most easement acquisitions are settled by negotiation rather than condemnation. Committee members questioned whether co-ops already pay comparable amounts in practice, whether the bill would affect transmission projects tied to Grain Belt Express, and how co-op governance and member oversight should factor into eminent domain policy.

Transcript Highlights:

• are determined, the current law reads that the property valuations cannot exceed $1,000 in difference
• Essentially, it'll allow for better valuation exchanges.
• It'll allow for better valuation exchanges and better notification across the board.
• Essentially, it'll allow for better valuation exchanges.
• It'll allow for better valuation exchanges and better notification across the board.

Summary: The Senate opened with prayer, the pledge, and a quorum call, then took up House amendments to Senate Bills 2009, 2147, and 2113. On motion, the Senate refused to concur in the House amendments and appointed conference committees for each bill. The chamber then considered several House bills, adopting amendments and passing House Bill 1556, which creates a Children's Cabinet work group to study out-of-home placement and treatment for children with behavioral health issues, and House Bill 1363, which directs development of a customizable cardiac emergency response plan template for schools and athletic events. House Bill 1533, requiring students to complete a half-unit of financial literacy for graduation, also passed after amendment. House Bill 1226, dealing with masks in public places and protest-related identification concerns, passed after the Judiciary Committee removed language about complying with law enforcement requests to unmask.

Transcript Highlights:

• Actuarially sound rates is... policy. We do cover renters, landlords, obviously owner occupied.
• Actuarially sound rates is is So, just at a really high level, right: actuarially sound rates are simple—although
• the actuaries will tell you it’s not simple—but it’s pretty simple, right?
• And if they are, then you have actuarially sound rates.
• That’s a very high-level description from a non-actuary.

Summary: The Assembly Insurance Committee held an oversight hearing on the California Fair Plan, focusing on its rapid growth, financial stability, rate adequacy, and role in the homeowners insurance market. Committee members described the Fair Plan as increasingly functioning as a “safety net” rather than a true insurer of last resort, while Fair Plan representatives said the plan was created by statute, is privately funded by member insurers, and is now taking on more business because of non-renewals and limited availability in the admitted market. They emphasized that the plan offers residential and commercial coverage, but not a full HO-3 homeowners policy, and said expanding into that product would require major new staffing, vendor, and claims infrastructure. A major topic was pricing and assessments. Fair Plan officials said their rates have historically lagged their projected costs, especially because reinsurance costs were not fully recoverable in rates until recently. They reviewed recent filings, including a 2023 filing that was reduced from an estimated 80% need to a 35.8% request after working with the Department of Insurance. They also discussed the plan’s reinsurance tower, a new catastrophe bond, and the $1 billion assessment triggered by the 2025 Los Angeles fires after losses exceeded available capital. They said AB 226 helped secure a $600 million line of credit to reduce assessment risk, and they thanked lawmakers for supporting that measure. Members raised constituent concerns about coverage limits, underinsurance, and misinformation from agents. Fair Plan officials said they do not deny applicants because their homes exceed the plan’s $3.3 million limit; instead, policyholders can combine Fair Plan coverage with excess insurance. They said broker training and webinars are being expanded to address misunderstandings, and they noted that raising the cap would depend on achieving actuarially sound rates and sufficient financial capacity. Members also asked about smoke claims from the 2025 fires; the Fair Plan said it has paid covered smoke claims under California law, reviewed closed claims, and removed the “sight and smell” language from its policy form after litigation and CDI action. Public commenters from the insurance industry, builders, agriculture, and nonprofit service providers largely urged faster depopulation of the Fair Plan, more adequate rates, and reforms to the clearinghouse process. Some warned that the Fair Plan is now competing with the admitted market because it can be cheaper in some areas, while others said the plan is still essential because the private market is not serving high-risk or specialized properties. The hearing ended without a vote or formal action, but committee members and Fair Plan representatives agreed to continue working on rate, transparency, and depopulation issues.

Transcript Highlights:

• And then again, our rates are supposed to be actuarially sound.
• I know we've talked a little bit about actuarially sound rates and why we need them.
• On the actuarial soundness, it's kind of weird for us. As a builder, we buy this product.
• I mean, rates are not actuarially sound.
• I mean, rates are not actuarially sound.

Summary: The Assembly Insurance Committee held an oversight hearing on the California Fair Plan, focused on the plan’s rapid growth, its financial stability after the January Southern California wildfires, and its role as the insurer of last resort. Fair Plan officials explained that the plan was created in 1968, is a not-for-profit involuntary association of licensed property insurers, and is intended to be a temporary safety net until policyholders can return to the admitted market. They emphasized that the plan is not a state agency or taxpayer-funded, but is regulated by the Department of Insurance and supported by member-company assessments if claims exceed available funds. Victoria Roach and Armand Feliciano said the Fair Plan has grown sharply since 2018 and especially after market pullbacks by major insurers, reaching about 575,000 policies and roughly $600 billion in exposure by spring 2025. They noted that growth is increasingly occurring in lower wildfire-risk areas, where the plan can sometimes be cheaper than the voluntary market, and said this undermines depopulation back into the private market. They also discussed recent policy expansions, including coverage for farms, higher residential and commercial limits, and pending or proposed changes such as AB 290, SB 525, and AB 226, which would add tools like a line of credit and bond access. A major portion of the hearing addressed the January wildfire losses and the plan’s financial response. Fair Plan officials said they assessed member insurers for $1 billion after determining claims and cash flow would exceed available resources, and that the process was approved quickly and paid smoothly, with more than 80% of the assessment collected within 10 days. They also described the reinsurance tower, the plan’s limited surplus, and the need for actuarially sound rates to reduce future reliance on assessments. On claims handling, they said the plan has received over 5,500 claims from the fires, has paid more than $2.9 billion so far, expects total payments near $4 billion, and has focused on advancing payments quickly for total losses and other urgent needs. Members questioned the plan’s solvency, the growth in non-wildfire areas, claim denials, smoke-loss coverage, and how depopulation works. Roach said most closed claims without payment were duplicates rather than denials, and that smoke claims require direct physical loss under the policy, with coverage determined case by case. Public commenters from the California Building Industry Association and the Independent Insurance Agents and Brokers of California said the Fair Plan’s growth reflects a weak voluntary market, inadequate rates, and insurer fear of future assessments, and urged support for rate increases and AB 226. The hearing concluded with no vote, but with a commitment from Fair Plan officials to follow up on unanswered questions and continue providing more transparency through public data and website disclosures.

Transcript Highlights:

• So we will do an actuarial review to make sure that that group that is joining us is financially sound
• We just look at them actuarially to make sure that it's a sound decision to add them to the plan.
• When you were talking a minute ago, you said that you would do the actuarial chart—I can't even say actuarial
• That's why when we wrote this bill, we made it an option that they can apply, get the actuarial study
• , look at the Representative Scott: We made it an option that they can apply, get the actuarial study

Committee: House State Affairs

Transcript Highlights:

• We hired a third-party actuarial firm, Health Management Associates.
• They did an actuarial study looking at Medicare claims data.
• My name is Annie Tasman Ewing, and I am a senior consulting actuary with Wakely.
• I'm a fellow of the Society of Actuaries and a member of the American Academy of Actuaries.
• Our actuarial analysis found that this transition could reduce MassHealth costs by up to 6% annually

Bills: H4353 , H4425 , H4453 , H4623 , H4770 , S2587 , S2737

Committee: Joint Joint Committee on Health Care Financing

Keywords: behavioral health, Medicaid, reimbursement rates, healthcare providers, service delivery, accreditation, Medicare, end-stage renal disease, healthcare access, patient coverage, renal failure, MassHealth, asset limit, personal vehicle exemption, vehicle value, healthcare, autism, ABA services, assistive technology, children

Transcript Highlights:

• The Employment Security Department, known as ESD, provides an actuarial report each year.
• The bill also requires the actuarial rate to close the rate collection year with a four-month reserve
• ESD has an actuarial office and is already producing this annual report upon which the rate would be
• The actuarial rate proposal in this bill also reflects a recommendation from J.
• The actuarial rate proposal in this bill also reflects a recommendation from J.

Bills: SB6256 , SB6275 , SB5868 , SB5954

Committee: Senate Ways & Means

Keywords: tax exemptions, affordable housing, nonprofit, unoccupied property, housing policy, community reinvestment, economic development, local investment, financial assistance, SB 5868, superior court, judge, judgeship, judicial vacancy, court administration, Skagit County, Yakima County, RCW 2.08.061, Washington courts, county judges

Transcript Highlights:

• To better understand these changes, Commerce contracted with an actuarial firm to estimate the impact
• To better understand these changes, Commerce contracted with an actuarial firm to estimate the impact
• To better understand these changes, Commerce contracted with an actuarial firm to estimate the impact
• To better understand these changes, Commerce contracted with an actuarial firm to estimate the impact
• </c><00:52:43.119><c> or</c> better understanding from our actuary or better understanding from our actuary

Bills: HF1546 , HF2403 , HF2389 , HF2398

Committee: House Commerce Finance and Policy

Transcript Highlights:

• House Bill 3093, relative to the electronic filing of certain forms used in property valuation.
• An act relative to the electronic filing of certain forms used in property valuation.
• An act relative to the electronic filing of certain forms used in property valuation.

Summary: The House took up several procedural orders from the Committee on Rules extending reporting deadlines for the Education, Mental Health/Substance Use/Recovery, and Revenue committees, and each order was adopted after suspension of the rules. The chamber also suspended Joint Rule 12 to allow several petitions to be referred, including measures on consumer-connected devices, a trail designation in Groton, beach and habitat management, genetic discrimination in insurance, and antitrust enforcement. The Committee on Steering, Policy and Scheduling reported a slate of bills for House consideration, including measures on Taunton water billing, public insurance adjusters, electronic filing for property valuation forms, tax payment interest rates, local property tax exemptions in Milton and Marblehead, a tax exemption for the surviving spouse of a Rentham deputy chief, and West Tisbury’s affordable housing trust fund. The House ordered these bills to a third reading after suspending Rule 7A. The House then passed several engrossed bills to be enacted, including local measures on Boston police age waivers, Bridgewater town council stipends and town manager procedures, and a Cambridge employment and job training trust. Later, the House concurred in a Senate amendment to the Rockland charter bill, passed a Wellesley property tax deferral bill and a Harrell police civil service age-waiver bill to be engrossed, and adopted an order to meet again Wednesday at 11 a.m. before adjourning.

Transcript Highlights:

• roads in the City of Gloucester, local approval received; House Bill 3006, an act relative to the valuation
• maintenance of private roads in the City of Gloucester, Senate Bill 2596; an act relative to the valuation
• House Bill 3006, an act relative to the valuation of long-term residences.

Transcript Highlights:

• actuaries was indicated to be a 13% increase.
• rate from our actuaries was indicated to be 13% increase.
• We have actuaries there that are doing all this analysis. Yes. Thank you. Thank you.
• However, the actuarial rate, the rate used to keep the system fully solvent, would have been 13%.
• It requires ESD to set the premium rate based on the Office of Actuarial Services Annual Report.

Summary: The committee first held a public hearing on Senate Bill 6136, which would require Labor and Industries to publish actuarial indicated workers’ compensation rates for each risk class and disclose when rate increases are capped below those indicated levels. The sponsor and supporters from the hospitality, retail, business, and construction sectors said the bill would improve transparency about how rates are set and how reserve funds and investment earnings are used to hold down premiums. L&I testified that the bill would require publication of a large amount of rate-setting information, but said it was already developed in the normal process and that the bill had no fiscal impact. Questions focused on reserve use, advisory committee involvement, and how the actuarial calculations interact with investment returns. The committee then moved to executive session and took action on several bills, adopting substitutes or amendments and advancing bills including SB 5292, 6014, 5972, 5869, 5874, 6058, 6039, 5944, and 6180, with most sent to Rules and SB 5292 sent to Ways and Means. The committee then heard Senate Bill 5847, which would expand injured workers’ access to medical care by allowing treatment outside the L&I provider network when no provider is available nearby, limiting employer steering to specific providers, shortening utilization review timelines, allowing provider deviation from L&I guidelines when medically appropriate, and expanding continued treatment and cancer monitoring. Labor and worker advocates argued the bill would better reflect the Murray decision and reduce delays in care, while L&I and employer groups said the current evidence-based guideline system works for most claims and warned the bill could weaken quality controls, create vague standards, and increase costs. Testimony also raised concerns about the 15-mile access rule, the employer communication restrictions, and the appeal process for provider removal. The sponsor said the goal was to improve individualized care and continue working with stakeholders. Finally, the committee heard Senate Bill 6067, which would change workers’ compensation time-loss calculations so that 100% of the employer-paid health insurance contribution is included in the benefit calculation instead of the current partial inclusion. Supporters said the bill would help injured workers keep health coverage during recovery and reduce pressure to choose between medical care and income, while opponents argued it would not guarantee the money is actually used for health insurance, could be diverted to other uses or attorney fees, and would significantly increase costs for employers and the accident fund. L&I said the bill would require IT and administrative changes and estimated substantial ongoing benefit costs. The hearing ended without further action on SB 6067, and the chair closed the session after public testimony concluded.

Transcript Highlights:

• And then again, our rates are supposed to be actuarially sound.
• The thought process was to give the Fair Plan actuarially sound rates to help minimize the possibility
• So I know we've talked a little bit about actuarially sound rates and why we need them.
• sound rate. to talk about our next dwelling filing to try to get to an actuarially sound rate.
• The other thing higher, I mean, rates are not actuarially sound.

Committee: House Insurance

Summary: The Assembly Insurance Committee held an oversight hearing on the California Fair Plan, focused on the plan’s rapid growth, financial condition, depopulation efforts, and response to the January Southern California wildfires. Fair Plan officials explained that the plan was created in 1968 as an insurer of last resort, is a private not-for-profit association of admitted insurers, and is intended to be a temporary safety net until policyholders can return to the voluntary market. They said the market has deteriorated so much that many consumers are now coming to the Fair Plan first, including in lower-wildfire-risk areas where the plan is sometimes cheaper than private-market options. Officials said the plan’s exposure has grown sharply, reaching about 575,000 policies and nearly $600 billion in exposure by the end of March, with especially fast growth in low-risk areas. They described the plan’s depopulation challenges, the clearinghouse process, and pending or recent policy expansions such as coverage for farmers, higher commercial coverage limits, and proposed bills affecting grace periods and manufactured-home replacement coverage. They also discussed rates, saying premiums have risen from about $1,839 in 2021 to about $2,800 in 2025, while average policy limits have increased to over $1 million, and that the plan is working with the Department of Insurance on a new dwelling filing to move toward actuarially sound rates. A major portion of the hearing addressed the January fires and the Fair Plan’s finances. Officials said the plan paid more than $2.9 billion in claims so far and expects total losses near $4 billion, with over 5,500 claims filed and more than half already closed. Because of the losses, the plan sought and received a $1 billion assessment from member insurers, the first such assessment in 30 years, and also described its reinsurance tower and the role of reinsurance in covering catastrophic losses. They said the plan is supporting AB 226, which would give it access to a line of credit and potential bond financing to reduce reliance on assessments. Members raised concerns about solvency, non-renewals, smoke-claim standards, and the growth of the plan in non-wildfire areas; public commenters from the building industry and insurance brokers said the Fair Plan’s growth reflects a weak voluntary market and urged stronger rates and depopulation tools.