Video & Transcript Research : 'premium increase'
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NH
Transcript Highlights:
- They can't afford their Medicare Part A premiums, I mean deductibles, their B premiums, their D premiums
- >
the <00:47:17.200>MET corresponding increase of the MET corresponding increase of the - <00:52:38.079>
to and and there and there are increases to and and there and there are increases - <00:52:49.359>
to going to be seeing those increases to going to be seeing those increases - fee revenue increase. is December 2025. there would be an is December 2025. there would be an increase
MN
Minnesota 2025-2026 Regular Session
Should Minnesota mandate coverage for infertility treatment? 4/8/26
Minnesota House Floor Meeting
Transcript Highlights:
- c> of um any increased premiums, and then of um any increased premiums, and then of course<00:36:
- I've heard members talk about increasing health insurance premiums.
- <00:56:25.280>
in <00:56:25.480>premiums should be no increase in premiums should be - <01:00:41.080>
increase is not a additional premium increase is not a additional premium increase - 30% rate increases in their premiums. 30% rate increases in their premiums.
Summary:
The committee heard House File 4609, the Minnesota Building Families Act, and laid it over for possible inclusion in an omnibus bill. The bill would require insurance coverage for infertility diagnosis and treatment, including IVF-related care, and the author emphasized that it would not change Minnesota’s current surrogacy laws. She also noted the bill already contains a religious exemption and clarified that it had been referred through commerce but came to health first because of reviser delays.
Supporters testified that infertility is common and financially devastating, describing personal experiences with miscarriages, cancer-related fertility loss, and large out-of-pocket costs such as second mortgages, retirement withdrawals, and fundraising. A physician testified that infertility is a disease, that delays in care can worsen outcomes, and that insurance coverage can improve health outcomes and reduce multiple births and costs. Supporters also argued that fertility coverage is already offered by some large employers and in other states without major premium increases.
Opponents, including representatives of the Minnesota Catholic Conference and Minnesota Family Council, argued the bill would subsidize IVF and potentially surrogacy, which they said raises ethical concerns about embryos, commodification, and exploitation of women. They urged the committee to vote no and instead support restorative reproductive medicine or other approaches that address underlying causes of infertility. In member discussion, some legislators expressed sympathy for families affected by infertility and miscarriage but raised concerns about insurance costs, success rates, and the need for guardrails; others noted adoption as another way families are built. No vote was taken beyond laying the bill over.
MN
Transcript Highlights:
- Section six increases the limit above which workers compensation benefits are assignable.
- Section six increases the limit 176.
- .<00:06:22.720>
It <00:06:23.039>identifies <00:06:23.600>application premium. - It identifies application premium.
- for the program at the time of premium for the program at the time of premium audit<00:07:33.280
FL
Florida 2025 Regular Session
Health Policy Oct 7th, 2025
Transcript Highlights:
- THAT PARENTS HAVE TO PAY EITHER 15 OR $20 PER MONTH IN PREMIUMS FOR THE CHIP THE POVERTY LEVEL UP TO
- WHAT 121 DID WAS INCREASE THE 300 PERCENT OF INCOME FEDERAL POVERTY LEVEL AND REALLY THE HEALTHY KIDS
- IT'S NOT MEDICAID WHICH DOES NOT HAVE PREMIUMS IT HAS BEEN ENVISIONED AS A STEP UP AND A STEP ON THE
- SHALL LEGISLATION YOU KNOW WE DEVELOPED SIX DIFFERENT PREMIUM TEARS FOR PAYMENT OF PREMIUM AND WE ARE
- AND THAT DISENROLLMENT FOR FAILURE TO PAY PREMIUMS IS SEPARATE FROM AND ELIGIBILITY DETERMINATION.
NH
Transcript Highlights:
- through premium taxes. through premium taxes.
- their insurance premium tax liability. their insurance premium tax liability.
- <00:17:28.000>
increases Yes, there were some premium increases Yes, there were some premium - calendar year 2026 premium tax return. calendar year 2026 premium tax return.
- One category since 1998 has increased 53%. Another category has increased by 66%.
NM
New Mexico 2025 Regular Session
IC - Legislative Health and Human Services Jun 26th, 2025
Legislative Health & Human Services Committee
Transcript Highlights:
- So figure 2 is a breakdown of $100 in qualified monthly premiums.
- About $3 is due to the premium tax, and $3.75 is the premium surtax.
- The report shows how the New Mexico premium assistance program works.
- HCAF revenue from the premium surtax has far exceeded the insurance subsidy needs.
- And for those that remain, they'll see a premium increase of about $1900 per person.
MN
Minnesota 2025 1st Special Session
Task Force on Homeowners and Commercial Property Insurance 10/1/25
Minnesota House Floor Meeting
Transcript Highlights:
- :38.080>
increasing addition to increasing the increasing addition to increasing the increasing - regulations about premium increases. regulations about premium increases.
- It's increasing premiums to get to that point.
- It's increasing<00:50:16.160>
premiums <00:50:16.559>to <00:50:16.720>get <00:50: - 16.800>
to <00:50:16.960>that increasing premiums to get to that increasing premiums to
CA
Transcript Highlights:
- Obviously, drought conditions increase wildfire risk.
- Currently, we have a 2.4% premium tax in insurance.
- And that is going to feed back into reduced premiums.
- The cost that a customer pays is the premium plus the premium tax.
- The cost that a customer pays is the premium plus the premium tax.
AL
Alabama 2026 Regular Session
Alabama Senate Banking and Insurance Committee Feb 4th, 2026
Banking and Insurance
Transcript Highlights:
- c><00:08:03.680>
capital increase the min minimum capital increase the min minimum capital requirement - Today, the average dental premium is around $27, and the premiums have only increased about 1% to 2%
- The negative impact higher premiums The negative impact higher premiums along<00:57:59.680>
with - It was explained to me the premiums.
- expecting a percentage of your premium expecting a percentage of your premium dollar<01:10:06.080
NH
New Hampshire 2026 Regular Session
House Commerce and Consumer Affairs (02/04/2026)
Commerce and Consumer Affairs
Transcript Highlights:
- because of those events, that increases reinsurance policy premiums?”
- because of those events uh that premiums because of those events uh that increases<01:57:50.159>
- increases reinsurance policy premiums. increases reinsurance policy premiums.
- And it is true that some of those increased costs will get passed on to homeowners in their premiums.
- But it is not my assessment that the dramatic increases in homeowners insurance premiums are as dramatic
NH
New Hampshire 2025 Regular Session
House Commerce and Consumer Affairs (04/23/2025)
Transcript Highlights:
- <01:44:13.520>
So <01:44:13.679>it <01:44:13.840>is Increase in health premiums - <03:57:51.439>
increases <03:57:52.080>and from short-term premium increases and from - short-term premium increases and the<03:57:52.560>
long-term <03:57:53.040>risk <03:57: - So, a 50% increase. And rather rates. So, a 50% increase.
- > for<06:02:10.320>
the your premium that the premiums for the your premium that the premiums
Summary:
The committee first heard Senate Bill 47, sponsored by Senator Regina Birdsell at the request of the Insurance Department. The bill would clarify that a birth mother’s health insurance is the primary policy for a newborn’s care unless the mother has no coverage or no employer-sponsored coverage. Birdsell and Insurance Commissioner DJ Benton Court said the measure simply codifies the department’s long-standing interpretation of existing law. Representative Miles asked whether the coverage would extend to a grandchild if a young woman on her parents’ plan had a baby, and Birdsell said it would. The hearing on SB 47 was then closed.
The committee next heard Senate Bill 121, introduced by Grant Bosi for Senator Kevin Avard. The bill requires insurers to notify the Insurance Department when they stop writing an entire line of business or, in some cases, when they change Medicare Advantage offerings. Benton Court said the bill was prompted by disruption in the Medicare Advantage market, where consumers and the department were confused by carriers exiting, changing plans, or narrowing offerings. He said the department does not regulate Medicare Advantage itself, but does license the carriers, and the notice requirement would help the department advise consumers; he also said noncompliance could affect a carrier’s license and could lead to fines. Members discussed the notice period, and the department and AHIP indicated support for changing it from 120 days to 90 days to align with federal timing. The hearing was closed with plans to work on an amendment in subcommittee.
Finally, the committee heard Senate Bill 247, introduced by Representative Brian Cole, which would prohibit network exclusion for pharmacies that refuse to dispense prescriptions when PBM reimbursement is below acquisition cost. Cole said the bill is meant to stop pharmacies from being forced to sell at a loss. Members questioned whether pharmacies voluntarily enter PBM contracts, whether the bill would raise consumer prices, and whether it would mainly affect independent pharmacies. Cole and others said the issue has changed over time because PBMs now control a much larger share of the market, and that the bill would let pharmacies refuse loss-making fills and direct patients to mail order instead. The discussion also noted that the bill excludes Medicare and Medicaid and that the current proposal does not create a middle-ground option for patients to pay a premium at the counter.
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Friday, September 19, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- <00:45:24.560>
increases estimated that these premium increases estimated that these premium - The highest health care premium increases in 15 years. Prices are up. Unemployment's rising.
- The highest health care premium increases in 15 years. Prices are up. Unemployment's rising.
- The highest health care premium increases in 15 years. Prices are up. Unemployment's rising.
and or increases in premiums co-pays and or increases in premiums co-pays and deductibles<01:
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Monday, November 17, 2025)
US Federal House Floor Meeting
Transcript Highlights:
- But after referring to his rate letter last month, he learned his monthly premium would increase by 700%
- HIS MONTHLY PREMIUM WOULD INCREASE BY 700% TO 1, 500. THAT'S RIGHT.
- Rent is going to increase. Gas is increasing.
- RENT IS GOING TO INCREASE. GAS IS INCREASING.
- IN VIRGINIA ABOUT 350,000 PEOPLE BENEFIT FROM THE PREMIUM -- ENHANCED PREMIUM TAX CREDITS.
CA
Transcript Highlights:
- premiums by more than half a billion dollars.
- The Chaburpa analysis estimates that AB 1887 would increase total premiums by about $148 million per
- You will hear the argument that AB 1887 will significantly increase premiums because it reduces these
- increases for Californians.
- the availability of good-paying jobs, not going to increase the number of people working, but will increase
FL
Florida 2025 Regular Session
February 4, 2025 - 12:30 PM
Transcript Highlights:
- And I, I— But folks get upset when we ask for rate increases.
- And I know that Citizens is also seeking a rate increase, a big increase, right? "Yes, no.
- However, you're asking for an increase.
- Premium, which you talked about a little bit last time.
- To compare that to most states, it's all between 10 and 30% increases, some pretty dramatic increases
Summary:
The Insurance and Banking Subcommittee received a lengthy presentation from Citizens Property Insurance Corporation CEO Tim Serio, with Insurance Commissioner Michael Yaworski also answering questions. Serio reviewed Citizens’ role as Florida’s insurer of last resort, its statutory funding structure, eligibility rules, depopulation program, reinsurance obligations, and the surcharge/emergency assessment mechanisms that can be used if Citizens runs a deficit. He emphasized that recent legislative reforms, combined with lower litigation and improved market conditions, have helped the private market recover and reduced Citizens’ policy count from a peak of about 1.41 million in 2023 to 936,182 at the end of 2024, with a projected drop to about 771,000 by the end of 2025. He also said the reforms reduced Citizens’ rate need and helped avoid an emergency assessment after the 2024 storms.
Members asked about Citizens’ rate increases, why Citizens still seeks higher rates despite lower litigation, how the 20% eligibility threshold works, whether Citizens should be wind-only, and whether the state or federal government could help with deficits. Serio explained that Citizens is still charging below actuarially sound rates in most areas, that rate filings reflect reduced litigation and lower reinsurance exposure, and that assessments on all Florida property policyholders are the reason Citizens tries to build surplus and depopulate. He said the depopulation program is working better than in the past, with less than 2% of takeout policies returning to Citizens, and that the Office of Insurance Regulation has been vetting takeout companies more carefully.
A substantial portion of the discussion focused on claims handling after Debby, Helene, and Milton, including flood-versus-wind disputes and Citizens’ use of the Division of Administrative Hearings for some claim disputes. Serio said Citizens had received 76,625 claims from the three storms and had paid nearly $823 million in indemnity and expenses as of January 7, 2025. He said many closed-without-payment claims were either below deductible, withdrawn, duplicate, or flood-only, and that Citizens had asked its internal audit function to independently review the claims data and denials. He also described Citizens’ storm outreach, catastrophe response centers, managed-repair program, and claim review process, and said the corporation remains focused on paying valid claims while minimizing the risk of assessments on the broader Florida market.
NM
Transcript Highlights:
- For example, there's assistance on the exchange with premiums and out-of-pocket cost sharing.
- Mexico has a premium surtax charge.
- I mean, some of that premium comes to this fund. Mr.
- So it does, the premium tax does apply to Medicaid as well.
- But this premium tax, it's also leveraged three to one. Correct?
MN
Minnesota 2025-2026 Regular Session
Committee on Jobs and Economic Development - 02/23/26
Jobs and Economic Development
Transcript Highlights:
- Small employers pay a reduced premium Small employers pay a reduced premium under<00:08:11.520><
- The reduced employer premium 888%.
- <00:09:30.800>
existing temporary workers, increasing existing temporary workers, increasing - <00:09:59.440>
and responsible for the usual premiums and responsible for the usual premiums - Uh we a premium collection begins.
NM
New Mexico 2026 Regular Session
House - Health and Human Services Jan 26th, 2026 at 09:05 am
House Health & Human Services
VT
Transcript Highlights:
- What they face just lower the premium.
- As costs increase, hospital finances.
- And when the school district pays steeply increasing health insurance premiums, Vermont property taxpayers
- ,<01:45:24.400>
making hospital costs and premiums, making hospital costs and premiums, making - contributor to property tax increases. contributor to property tax increases.
Summary:
The House took up S. 190, a health care cost-containment bill relating to the Green Mountain Care Board, reference-based pricing, and a study of a public employee health benefit authority. The House first suspended rules to take the bill from the notice calendar, then heard committee reports from Health Care, Ways and Means, and Appropriations. The Health Care committee chair described the bill as a strike-all amendment intended to carry out Act 68’s hospital reference-based pricing timeline, saying it would let the Green Mountain Care Board begin implementation for fiscal year 2027, expand reference-based pricing to qualified health plans and the Vermont Education Health Insurance program, and address hospital pricing transparency, outsourcing, and critical access hospital Medicare outpatient cost-sharing issues.
Supporters argued the bill would lower insurance costs, help reduce property taxes, and improve hospital sustainability by reducing the need for hospitals to limit access as they approach revenue caps. The Ways and Means committee said the bill could reduce education spending by lowering health care costs for school employees and reported the bill favorably on a 7-4 vote. The Appropriations committee said it reviewed the bill and an amendment, and noted that much of the detailed language would be changed by the appropriations amendment; it also discussed a possible state innovation waiver under the Affordable Care Act. The Health Care committee reported its strike-all amendment favorably on a 10-0 vote.
The bill’s provisions were described in detail, including requiring hospitals and insurers to express rates as a percentage of Medicare, setting a path toward national median hospital prices by 2030, limiting certain reimbursements for QHP and VHI plans, requiring a report on hospital outsourcing and provider tax impacts, and creating a public health system performance tool if funding is available. The speaker also noted that the bill would not affect critical access hospitals or Vermont’s Medicare-dependent hospital in the reimbursement cap provisions, and that critical access hospitals were already working with the Green Mountain Care Board on solutions to Medicare outpatient cost-sharing concerns.
MN
Minnesota 2025-2026 Regular Session
House lawmakers push to fund weather-resiliency program for Minnesota homes 4/27/26
Minnesota House Floor Meeting
Transcript Highlights:
- As you pointed out, we're all seeing large increases in our homeowners insurance, and ultimately it's
- if we can be doing things in a way to better protect our homes and also then reduce our insurance premiums
- That would then also get a premium reduction for those homes, as well.
- <00:02:22.000>
in <00:02:22.120>our <00:02:22.240>homeowners large increases - in our homeowners large increases in our homeowners insurance,<00:02:23.360>
and <00:02:23.840
Summary:
House File 4223 was presented as an appropriation to implement and jump-start the Strengthening Our Homes program enacted in 2023. Rep. Elkins said the goal is to help homeowners strengthen roofs using standards promoted by the Insurance Institute for Business and Home Safety, citing other states such as Alabama as examples where hardened homes performed better in major storms. He emphasized rising homeowners insurance costs, especially for affordable apartments, older condo buildings, and seniors on fixed or limited incomes, and said the grants would help people who may not have the upfront cash to make improvements.
Committee members generally supported the concept, describing it as a way to reduce storm damage and lower insurance premiums. One member highlighted that the income threshold for grant eligibility could reach a large share of Minnesota homeowners and potentially harden nearly a million homes, while another noted the program’s focus on lower-income households. A Commerce Committee discussion was referenced in which an alternative approach was raised: tax incentives, including possible sales tax relief, for materials and labor used to harden homes against hail and other weather risks.
Rep. Elkins responded that labor is an important part of the cost and that many potential beneficiaries are seniors with little taxable income, making a grant program more practical than a tax-based incentive. Another member agreed the upfront cost is a major barrier and said the grant design appears thoughtful. No vote was taken; the bill was laid over for further discussion.