Video & Transcript : 'captive insurers' :
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WA
Washington 2025-2026 Regular Session
House Civil Rights & Judiciary Jan 20th, 2026
Transcript Highlights:
- The court may determine not to impose restitution owed to an insurer or state agency under some circumstances
- I believe this piece of the bill that addresses restitution relates to restitution for insurance companies
- I believe this piece of the bill that addresses restitution relates to restitution for insurance companies
- Judges can waive interest owed to insurance companies or state agencies.
- As many of you know, Washington has already seen as uninsurable in many areas by insurance providers
Summary:
On January 20, 2026, the committee held public hearings on House Bill 2102, House Bill 2161, and House Bill 2332. HB 2102 would sharply limit legal financial obligations by prohibiting courts from imposing costs unless specifically authorized by statute, repealing many fees and interest on restitution, and making eliminated debts unenforceable and satisfied. The sponsor and supporters argued that LFOs are harmful, inconsistently applied, and create uncollectable debt that burdens indigent defendants and hinders reentry. Opponents, including local government and collections representatives, warned the bill would shift costs to cities and counties, reduce accountability tools, and could cost local jurisdictions millions. No vote was taken.
HB 2161 would expand the Attorney General’s authority to issue civil investigative demands for possible violations involving civil rights, labor standards, jail standards, immigration-related restrictions, and police use-of-force laws. Supporters from the Attorney General’s office, labor groups, and civil rights advocates said the bill would make investigations faster and more effective, especially in wage theft and discrimination cases, while not changing substantive enforcement authority. Opponents from law enforcement, cities, and business groups argued the bill was overbroad, lacked sufficient standards, and could create due process, confidentiality, and separation-of-powers concerns. Members asked about safeguards, and staff and the AGO described court challenge procedures and internal review standards. No action was taken.
HB 2332 would regulate automated license plate readers used by state and local agencies, generally limiting use to specified law enforcement, parking, toll, and transportation purposes, restricting sharing and retention, and prohibiting uses tied to immigration enforcement or protected health care. The sponsor and privacy, immigrant-rights, and reproductive-rights advocates said the bill was needed to prevent misuse of sensitive location data and to close loopholes that could allow out-of-state or federal access. Law enforcement, cities, vendors, and some business and campus representatives supported privacy guardrails but said the 72-hour retention limit, warrant requirements, and other restrictions were too strict and could hinder investigations, victim recovery, and parking enforcement. The hearing ended with testimony still underway and no vote or final action reported.
WA
Washington 2025-2026 Regular Session
House Education Jan 13th, 2026
Transcript Highlights:
- behavioral health and delivery, payers, any aspect that you can think of, including the Office of the Insurance
- And so that worked for some students, and especially students who had health insurance, but didn't always
- work for students who had health insurance, but didn't always work for all students, getting them the
- What I have found is that we do not have students that have access to insurance that allows us to tell
- staff—students who could immensely benefit from consistent therapy but don't have the means within their insurance
Summary:
The House Education Committee held a work session on the Children and Youth Behavioral Health Work Group and its school-based behavioral health and suicide prevention subgroup, followed by a public hearing on House Bill 1634, as amended in a proposed second substitute. Work group leaders Lisa Callan and Tisha Kirschbaum described the group’s statewide, cross-agency structure, its Washington Thriving strategic plan, and the goal of moving toward a more integrated “system of care” for children and youth. They emphasized that behavioral health, physical health, and education are interconnected, that families and schools often face a fragmented system, and that Washington’s youth flourishing outcomes show a need for stronger supports. Committee members raised concerns about regional disparities, rural access, language and cultural responsiveness, and the burden on schools and educators, while the presenters stressed that schools should be supported to identify needs and connect students to outside clinical services rather than carry the full burden themselves.
Representative My-Linh Thai and Christian Stark then outlined the school-based subgroup’s work and recommendations. They said the subgroup meets monthly, includes students, parents, educators, providers, and agencies, and has focused on prevention, early identification, early intervention, and crisis response in schools. For the 2026 session, the subgroup recommended maintaining current investments in school behavioral health programs, strengthening statewide guidance on school behavioral health, and creating a coordinated technical assistance and training network for schools. They explained that the proposed substitute for HB 1634 would direct OSPI and the educational service districts to work with behavioral health agencies and community partners to conduct a needs assessment, map resources, and build a statewide framework for technical assistance and training, with public posting required by August 1, 2027. Testimony in support came from school staff, OSPI, behavioral health professionals, students, parents, and advocacy groups, who described high student anxiety, suicide risk, staffing shortages, and the need for coordinated, accessible supports. One witness from a psychiatric watchdog group opposed the bill, arguing it could increase labeling and drugging rather than holistic care. No vote was taken in the transcript provided.
FL
Florida 2026 Regular Session
Joint Legislative Auditing Committee Nov 3rd, 2025
Transcript Highlights:
- Subsequent to our report, and you can talk to the town folks, I think their insurance company basically
- The FMIT, our insurer, we received a budget from our outside counsel.
- There may be a slip and fall that's still outstanding, but I think that may have been settled by our insurer
- The FMIT, our insurer, we received a budget from our outside council.
- There may be a slip and fall that's still outstanding, but I think that may have been settled by our insurer
Summary:
The Joint Legislative Auditing Committee first heard a long-running audit finding involving Daytona Beach’s unexpended building permit funds, which have exceeded the statutory limit for several years and were reported at $10.8 million in the most recent audit. Mayor Derek Henry and city staff said the city has analyzed the fund, adopted a corrective action plan, waived more than $5.5 million in permit and inspection fees over several periods, and used some excess funds for a training facility rehabilitation and a proposed City Hall expansion. Committee members repeatedly questioned whether the city was simply trying to spend down the money, raised concerns about the legality and necessity of proposed expenditures, and asked about interest earnings, truck purchases, and the lack of detailed tracking for training-facility use. The city said an Attorney General opinion allows construction of a new building for building-code functions but not purchase of an existing building, and that if the city cannot comply through permissible construction it would have to return the funds. No vote was taken, but members expressed strong frustration and urged the city to resolve the issue quickly and lawfully.
The committee then received the Auditor General’s presentation on the Town of Greenville, which found 31 findings and described pervasive control failures, possible fraud, waste, and abuse. The findings covered elections and quorum issues, conflicts of interest, late or missing financial disclosure forms, related-party transactions, poor meeting notices and minutes, council involvement in day-to-day operations, missing ethics training, budget and accounting deficiencies, weak bank reconciliations, improper utility billing and rates, grant compliance problems tied to a grocery store project, personnel and compensation issues involving the town manager, late vendor payments, weak procurement and P-card controls, vehicle-use and property-control problems, public records issues, and IT/fraud-policy weaknesses. The auditor said the review focused mainly on October 2022 through February 2024 but went back further for some grant-related matters.
Greenville’s mayor and staff said the audit reflected actions of a previous administration and that the current council and staff have already adopted seven new policies to improve procurement, financial controls, inventory management, grant oversight, and ethics. They said the town has a new manager and clerk, that the former manager was terminated, and that the town referred matters to FDLE, which is investigating. Committee members asked about the manager’s salary increase, severance, P-card use, and whether the town should consider consolidation or dissolution. The mayor said the town is on a better path, that most of the prior leadership has been voted out, and that the town is working with auditors and an outside accounting firm to correct the problems.
TX
Texas 89th Regular
Senate Special Committee on Congressional Redistricting Aug 17th, 2025
Transcript Highlights:
- We've had corporate insurance where we were engineers, and my husband was an Army colonel on the weekends
- We thus had acute care that is paid 100% by insurers, and that's very important when you have a catastrophic
- Many of our families have one insurance, but they still need to cover the last 20%.
- appreciate your commentary specific to... ...the flooding situation and to the long-term health insurance
- So thank you both for being here and talking about flooding and talking about long-term health insurance
NM
New Mexico 2025 Regular Session
IC - Federal Funding Stabilization Subcommittee Jul 2nd, 2025
Federal Funding Stabilization Subcommittee
Transcript Highlights:
- It's being asked to pay for a co-pay or co-insurance.
- But does that mean that those doctors and hospitals that are taking Medicare as an insurance program
- job and no longer meets Medicaid because that person has not only a good job but maybe a private insurance
- unwinding that there would be a significant... number that we're already possibly getting employer-based insurance
- We wouldn't know about private commercial insurance.
TX
Texas 89th Regular
Homeland Security, Public Safety & Veterans' Affairs Apr 14th, 2025
Homeland Security, Public Safety & Veterans' Affairs
Transcript Highlights:
- Allowing guns could raise their insurance rates and security costs.
- I mean, would insurance rates, for example, of that property owner go up or down by virtue of posting
- Does your insurance rate go up or down? I'm a gun lawyer.
- I am not the person to ask about insurance for bars versus restaurants, so maybe I can find somebody
- I don't think you're in the insurance business, but does that have a tendency of raising rates or dropping
MN
Transcript Highlights:
- Office of Inspector General to the list of agencies that may receive data from the unemployment insurance
- Office of Inspector General to the list of agencies that may receive data from the unemployment insurance
- may receive data from the agencies that may receive data from the unemployment<00:13:09.120><c> insurance
- </c><00:13:09.600><c> program</c><00:13:10.000><c> without</c> unemployment insurance program without
- unemployment insurance program without the<00:13:10.560><c> consent</c><00:13:11.440><c> of</c><00:13
Bills:
HF1306
Committee:
House Education Policy
CA
California 2025-2026 Regular Session
Assembly Committee on Economic Development, Growth, and Household Impact Mar 24th, 2025
Economic Development, Growth, and Household Impact
Transcript Highlights:
- questions, the committee and the legislature can continue to push forward Related to housing is insurance
- The cost of insurance for many homeowners has risen rapidly in recent years and at the same time, some
- homeowners have found it increasingly difficult to obtain insurance at all.
- Specifically the legislature could consider changes to the regulatory and policy landscape and insurance
- Our mortgage rates have increased, our insurance costs have increased, utility costs have increased,
FL
Transcript Highlights:
- So, to give you some context: prior to 1992, commercial insurance was available to the utilities at reasonable
- and affordable prices that insured their transmission and distribution network.
- The cost of this insurance and the reserve fund were recovered through utilities' base rates.
- The effect of Hurricane Andrew in our space is that commercial insurance coverage became significantly
- So the utilities approached the commission in roughly 1993 and 1994, proposing a self-insurance approach
Committee:
Senate Regulated Industries
Summary:
The committee met to hear invited presentations on storm recovery and storm protection from the Florida Public Service Commission, Florida Power & Light, Duke Energy, Tampa Electric, Chesapeake Utilities, and the Office of Public Counsel. The PSC reviewed the history of storm restoration financing and utility hardening efforts after major storms such as Hurricane Andrew, the 2004-05 hurricane seasons, Irma, and Michael, explaining storm reserve funds, storm recovery bonds, and the current three-year storm protection plan process. The commission’s role in approving plans and later reviewing prudence of actual costs was emphasized, along with the types of work included in the plans such as vegetation management, pole replacement, undergrounding, feeder hardening, and substation flood protection.
The utilities described their own storm-hardening investments and recent storm performance. FPL said it has spent about $4.9 billion on storm protection and recovery-related efforts, highlighted improved restoration times during Helene and Milton, and said it is expanding undergrounding, feeder hardening, and smart-grid technology. Duke Energy reported more than 40,000 hardened poles and structures since 2021, major gains from self-healing grid technology, and faster restoration during recent storms. Tampa Electric described a roughly $200 million annual storm protection effort, including vegetation management, undergrounding, substation hardening, and new storm surge protections, and Chesapeake Utilities discussed its smaller-scale hardening program, vegetation work, pole replacement, and rapid restoration after Helene in Nassau County.
Committee members asked about how utilities prioritize neighborhoods for lateral hardening, whether maps of planned projects could be shared, how much each utility has spent on undergrounding and hardening, and how reliability comparisons are normalized against the national average. Public Counsel Walt Trierweiler argued that storm recovery and hardening costs fall too heavily on investor-owned utility customers, said the current framework lacks a meaningful cost-benefit or prudence check at the planning stage, and urged broader sharing of storm costs because the benefits extend to the whole state. Senators also discussed whether the commission can review the reasonableness of approved programs and whether future reports or recommendations from Public Counsel would be helpful. No votes or formal actions were taken.
TX
Transcript Highlights:
- But a handful of intangible assets, such as stock values of insurance companies and savings and loans
- Attention in the district I represent is coming to me by way of increased insurance costs.
- So maybe we should be compressing insurance rates. I'll leave that to another hearing.
- incredible demand, though, on our real estate market, and combined with still high interest and insurance
- Cost of insurance, we've got business liability, commercial. things very much increased.
Committee:
House Ways & Means
VA
Virginia 2026 Regular Session
Disability Commission Jun 18th, 2026
Transcript Highlights:
- eligibility standards for individuals receiving DD waivers to disregard any Social Security disability insurance
- At the beginning of May, we got a letter from our insurance company that we get through the state, through
- We've had this insurance plan since 2022, and now all of a sudden they're changing it.
- And so now we're stuck with an insurance plan that will not cover this.
OK
Transcript Highlights:
- garbage trucks and landfills are very costly to replace a garbage truck, especially due to lost time, insurance
- Hopefully, they've got insurance on it, but regardless, it's gonna raise their insurance rates to the
- It so it's going to raise the citizens' payment if there's not an insurance policy or not big enough
Committee:
Senate Energy
AL
Alabama 2026 Regular Session
Alabama Senate Fiscal Responsibility and Economic Development Committee Apr 1st, 2026
Fiscal Responsibility and Economic Development
Transcript Highlights:
- A person who doesn't have an insurance license can't sell insurance to somebody. Yes, ma'am.
- A person who doesn't have an insurance license can't sell insurance to somebody. Yes, ma'am.
Bills:
HB586
CO
Colorado 2026 Regular Session
Colorado Senate 2026 Legislative Day 072 Mar 27th, 2026
Colorado Senate Floor Meeting
Transcript Highlights:
- bonding agents regulated by Article 23 of Title 10, Colorado Revised Statutes, by the Division of Insurance
- Statutes, by the Colorado Revised Statutes, by the Division<00:36:31.359><c> of</c><00:36:31.440><c> Insurance
- </c><00:36:32.440><c> Judiciary</c><00:36:33.680><c> House</c> Division of Insurance.
- Judiciary House Division of Insurance.
MO
Missouri 2026 Regular Session
Joint Committee on Education Mar 26th, 2026
Joint Committee on Education
Transcript Highlights:
- estimate is that you are asking, with Chromebooks, you are asking for low-income families to purchase insurance
- They have to purchase insurance in order to take the Chromebook home.
- And these are the families that we are asking to replace items or to purchase expensive insurance that
- And these are the families that we are asking to replace items or to purchase expensive insurance that
Committee:
House Joint Committee on Education
Summary:
The Joint Committee on Education heard testimony focused on the effects of educational technology and screen time on K-12 students, with particular attention to House Bill 2230 and related policy changes. Dr. Mariam Mohamed Connie argued that one-to-one devices, digital instruction, and early screen exposure harm children’s learning, attention, physical development, and mental health, and that schools should return to more analog methods such as paper, handwriting, cursive, phonics, and print-based materials. She cited international and national assessments, research on handwriting versus typing, and her experience on the Springfield Public Schools board, saying the district saw improved MAP scores after scaling back Chromebook use in elementary grades and reintroducing books and cursive.
Several witnesses and committee members discussed the practical and budgetary implications of reducing screen use. A Springfield administrator said many teachers were trained in technology-heavy environments and would need support to teach without relying on devices, and she estimated Chromebooks and related infrastructure cost more per student than textbooks, manipulatives, and paper. Another witness from the Missouri National Education Association supported the bill’s direction, saying elementary years are critical and that the state should signal a move away from overuse of screens while allowing districts time to adjust. Committee members emphasized local control, the need for a task force, and the importance of involving DESE because state testing and standards currently drive much of the digital use in schools.
The discussion also covered Missouri Learning Standards, computer science requirements, and the tension between digital testing and classroom instruction. Speakers criticized the fact that MAP testing is digital and adaptive, arguing it forces schools to keep devices in elementary grades just to prepare students for state assessments. The chair and other members said the bill was intentionally nonprescriptive, aiming instead to create a task force and encourage local districts to develop screen-time policies, especially for elementary students. The hearing ended without a vote, and the committee adjourned after public comment.
AR
Arkansas 2026 1st Special Session
ARKANSAS LEGISLATIVE COUNCIL (ALC) Mar 20th, 2026
ARKANSAS LEGISLATIVE COUNCIL (ALC)
Transcript Highlights:
- related to their ongoing study, and one for actuarial services related to oversight of state property insurance
- related to their ongoing study, and one for actuarial services related to oversight of state property insurance
- The State Insurance Programs Oversight Subcommittee...
- The State Insurance Programs Oversight Subcommittee met on Wednesday, March 18th.
Committee:
All ARKANSAS LEGISLATIVE COUNCIL (ALC)
Summary:
The council opened with a prayer, approved the prior meeting minutes, and received the February 2026 Monthly Revenue Report from Carlos Silva of the Bureau of Legislative Research. He reported gross revenues of $5.36 billion and net collections of $4.5 billion, both above the prior year to date, and said the updated forecast now shows a larger expected surplus. Members asked about declines in some tax categories, natural gas severance fee fluctuations, inflation, and economic development incentives; Silva attributed several changes to timing, refunds, tax cuts, weather, and price volatility, and generally described the state’s revenue trend as positive.
The Executive Committee, Administrative Rules, Claims Review, Game and Fish, Higher Education, Infrastructure Investment and Jobs Act, Medicaid studies, Occupational Licensing Review, State Insurance Programs Oversight, and other subcommittee reports were adopted. The Medicaid studies report drew extended discussion about DHS staffing and contract nursing costs at state hospitals and human development centers; DHS officials said they were working on a recruitment and retention plan, reported significant vacancies and turnover, and said the state was not at risk of overspending the contracts. Several members urged reducing reliance on contract labor and moving staff onto state payrolls.
The Review Subcommittee report prompted questions about a Department of Public Safety aircraft maintenance item and a Department of Shared Administrative Services contract for Deloitte to implement performance and goals management software tied to the state’s new personnel system. After discussion, the aircraft maintenance item was held briefly and then withdrawn from the hold, while the shared services contract was explained as a one-time integration/configuration project for a system that will support employee evaluations and performance-based pay; the report and the separate contract vote were approved. The Personnel Subcommittee also heard testimony from Commerce Secretary Hugh McDonald about reductions in force at the Division of Services for the Blind, which he attributed to funding shortfalls and fiscal mismanagement; members questioned the impact on blind and visually impaired clients, the status of board appointments, and whether federal funds could be at risk. The report was adopted with immediate consideration, and the meeting ended after filing the remaining APER report and adjourning.
AZ
Transcript Highlights:
- support of the Section 3 that's in the bill, I know that Representative Martinez supported it, and the insurance
- industry supports it because it aligns with a national organization called the National Conference of Insurance
- Representative Martinez supported it, and the insurance industry supports it because it aligns with a
- national organization called National Conference of Insurance Legislators, and they see it as an updating
Committee:
Senate Judiciary and Elections
Keywords:
sample ballots, elections, primary election, general election, mailing deadline, ballot mailing, county election officials, board of supervisors, secretary of state, early voting list, election administration, voter information, postal service, USPS processing center, city elections, town elections, special district elections, Arizona election law, ballot proofing, party chair
OK
Oklahoma 2026 Regular Session
Senate Legislative Session Mar 5th, 2026
Oklahoma Senate Floor Meeting
Transcript Highlights:
- education, local government, banking and finance, economic development, utilities, real estate, insurance
- , restoration services, development, utilities, real estate, insurance, restoration services, manufacturing
- Energy Committee will meet in Room 2.30, 20 minutes after Business and Insurance gets a quorum.
- Business and Insurance will meet in Room 535 immediately following this session.
Bills:
SB2102 , SB1940 , SB1625 , SB1442 , SB1623 , SB1242 , SB1949 , SB1592 , SB1913 , SB592 , SB992 , SB1241 , SB259 , SB1928 , SB1426 , SB1531 , SB1561 , SB1122
Summary:
The Senate convened with prayer, roll call, and several floor and gallery introductions recognizing the Doctor of the Day, Nurse of the Day, Mid-America Christian University, the Oklahoma Truckers Association, Leadership Wagoner County, the Broken Arrow Chamber, and an intern. The chamber then took up several bills in general order. Senate Bill 1426, requested by the Department of Human Services, would limit referrals to district attorneys to substantiated findings of abuse of vulnerable adults; it passed unanimously, 44-0.
Senate Bill 1531 was presented as a placeholder vehicle for possible future FAA action on drones and unmanned aircraft, with questions focused on why the bill was being kept open and what language might later be added. It passed 33-12. Senate Bill 1561 would allow EMTs to be subject to progressive discipline for drug or other violations instead of automatic license revocation; it passed 46-0.
The most extensive debate centered on Senate Bill 1122, which lowers the ad valorem assessment rate for broadband providers from 22.85% to 15% and was described by supporters as a way to create parity, encourage broadband expansion, and keep providers investing in rural Oklahoma. Opponents argued it would give a tax break to large legacy broadband companies, reduce county revenue by an estimated $20 million, and do little for homeowners, farmers, or other taxpayers facing property tax pressure. After extended questioning and debate, the bill passed 28-19. The Senate also laid over SB 1555, heard announcements, and adjourned until Monday, March 9 at 1:30 p.m.
MO
Missouri 2026 Regular Session
2026 Legislative Session - Day Thirty Two - Wednesday, March 4 - Morning Session
Missouri House Floor Meeting
Transcript Highlights:
- On my right and your left, on the top gallery, is the group from the Missouri Independent Insurance Agents
- They are here today to meet lawmakers and share what they do to protect Missouri consumers and the insurance
- Speaker, since we're trying to ensure the safety of children today, that brings up insurance, and today
- is the Missouri Association of Insurance Agents Lobbying Day at the Capitol.
Summary:
The House opened with prayer, the Pledge of Allegiance, approval of the previous day’s journal by a 122-0 vote, and numerous introductions of special guests, including Special Olympics participants, occupational therapy and social work students and professionals, teachers, social workers, local officials, and community groups visiting for Hill Day and other advocacy events. Members also made announcements about committee meetings before the chamber recessed until 2 p.m.
On the floor, House Bill 2974 was perfected and printed with little debate. Supporters said it would codify telehealth access in Missouri’s licensure reciprocity framework, helping seniors and rural residents continue to receive care. House Bill 2934, a bipartisan St. Louis convention center governance measure, also advanced after adoption of an amendment changing governor-appointed board seats to two city, two county, and one at-large member. The bill would merge existing entities managing the convention center and Dome, create a new board structure, and authorize a convention district tax framework and related financing rules; members discussed local control, revenue use, and the length of agreements under the bill.
House Bill 2057, a technical fix for Osage Beach entertainment district authority, was adopted and perfected and printed. Supporters said it corrects an error from a prior bill and would allow Osage Beach to create an entertainment district similar to those in Kansas City, St. Louis, and Branson to support tourism and economic development. The chamber also took up House Bill 1839 and related bills on age verification for pornographic websites. Proponents argued the measure is needed to protect minors from online pornography and exploitation, citing the Supreme Court’s upholding of a similar Texas law and Missouri’s existing attorney general enforcement efforts; opponents raised privacy, enforcement, and unintended-consequences concerns, including whether less-scrupulous sites could become more accessible. After a motion for the previous question, the House adopted the committee substitute and perfected and printed House Bill 1839 by a 104-16 vote with 20 present.
MO
Transcript Highlights:
- Chair, member of the committee, Brandon Koch, with Missouri Insurance Coalition, also here to testify
- Chair, member of the committee, Brandon Koch, with Missouri Insurance Coalition, also here to testify
- Chair, member of the committee, Brandon Koch, with Missouri Insurance Coalition, also here to test.
- Chair, member of the committee, Brandon Koch, with Missouri Insurance Coalition, also here to testify