Video & Transcript Research : 'premium increase'
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NH
New Hampshire 2025 Regular Session
House Commerce and Consumer Affairs (04/23/2025)
Transcript Highlights:
- , right, if you want to pay the premium, right, if you want to pay the premium, you<01:18:12.480>
- <05:34:58.638>
My will be increasing regardless. My will be increasing regardless. - 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 - doing dealing with a 39% rate increase. doing dealing with a 39% rate increase.
Summary:
The committee first heard Senate Bill 47, sponsored by Sen. Regina Birdsell at the request of the Insurance Department. The bill would codify the department’s interpretation that a birth mother’s health insurance is the primary coverage for a newborn, unless the mother has no insurance or coverage under an employer-sponsored plan. Birdsell and Insurance Commissioner DJ Benton Court said the measure is a clarification of existing practice and intended to protect vulnerable newborns; a question from Rep. Miles clarified that if a young woman is on her parents’ policy, the newborn would generally be covered under that family coverage. The hearing on SB 47 was then closed.
The committee then took up Senate Bill 121, introduced by Grant Bosi for Sen. Kevin Avard, which would require insurers to notify the Insurance Department when they stop writing an entire line of business or, in some cases, Medicare Advantage plans. Commissioner Benton Court said the bill arose from disruption in the Medicare Advantage market, where consumers, brokers, and the department were confused by carriers changing or ending offerings; he said the department wanted a simple notification requirement so it could better advise consumers. Members discussed network adequacy, county-based service areas, and the fact that the bill would make notice a condition of licensure, with possible fines or license action for noncompliance. Witness Paula Rogers of AHIP said her group supported the bill if amended, and the department indicated it would support a change from a 120-day notice period to 90 days to align with state rules; the committee planned to work on an amendment in subcommittee.
Finally, the committee heard Senate Bill 247, introduced by Rep. Brian Cole, which would prohibit network exclusion of pharmacies that refuse to dispense prescriptions when PBM reimbursement is below acquisition cost. Cole argued the bill is meant to stop pharmacies from being forced to sell drugs at a loss, describing PBMs as middlemen and saying the measure is a compromise that protects local pharmacies. Members questioned whether consumers would pay more and whether pharmacies voluntarily enter PBM contracts; Cole responded that the bill would let pharmacies refuse unprofitable fills while consumers could still obtain the drug through mail order or other channels. He also said the issue has changed over time because the practice now affects a much larger share of generics and is concentrated among a few PBMs. The hearing remained open as questions continued, with no vote taken in the excerpt.
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Public Service Jun 21st, 2026 at 01:00 pm
Joint Committee on Public Service
Transcript Highlights:
- Brokers would have to disclose commissions or other compensation tied to the premiums they manage, and
- Under current law, the premium contribution rates for municipal retirees are determined locally and can
- What this does is increase it to 90 days, giving the board a little bit more time.
- Since 2011, the national cost of living has increased about 36.8%.
- Senate Bill 1908, an act increasing the cap on outside income for public pension recipients.
Summary:
The committee heard testimony on a range of public retirement and municipal health insurance bills. Mass Retirees and the American Federation of Teachers supported House 2890/Senate 1848 on transparency in municipal health insurance, arguing that broker and consultant roles should be clearly defined, commissions disclosed, and dual roles prohibited to reduce conflicts of interest and costs. They also supported House 2799/Senate 1848 on protecting municipal retirees from future premium contribution increases, House 2854 on voting rights for surviving spouses in retirement board elections, and Senate 1917 on updating the definition of veteran for retirement purposes. Committee members discussed whether the veteran definition should simply conform to the federal definition going forward.
Educators testified in support of House 2769/Senate 1921, which would allow teachers with at least 20 years of service to buy back creditable service for periods when they worked part-time while raising children. Multiple teachers described the financial and retirement penalties they experienced after stepping down to part-time work for child care, calling the current system inequitable and a “mom tax.” Sponsors and supporters said the bill is intended to correct that disparity and help retain teachers, while one committee member noted it appeared neutral on an actuarial basis.
The committee also heard strong support for Senate 1908, which would raise the cap on outside income for public pension recipients, from retired State Police troopers who said the current limit is outdated and unfair to those forced into disability retirement after line-of-duty injuries. Another State Police representative supported House 2910 on state police pensions, citing recruitment and retention problems under current pension rules. In contrast, Hampden County Regional Retirement System officials and the Massachusetts Association of Contributory Retirement Systems opposed House 2745, a bill to restructure the Hampden County system’s governance, arguing it would weaken PERAC oversight and create an unworkable local system. They instead supported House 2813, which would extend the time to fill a vacant fifth member seat on retirement boards. At the end of the hearing, the committee voted to adjourn the hearing.
FL
Florida 2026 5th Special Session
FL House Floor Session - 2026-05-29 (10:00AM Session)
Florida House Floor Meeting
Transcript Highlights:
- The base student allocation increased by $85, and the funds per student increased by $150.31, bringing
- salary increase allocations.
- increases, the district can use the funds to provide salary increases to other instructional personnel
- And one of them is pay increases for the rank-and-file state employees and salary increases for teachers
- And one of them is pay increases for the rank and file state employees and salary increases for teachers
Summary:
The House convened with prayer, a moment of silence for former Senator Donnell C. Childers, the Pledge of Allegiance, and recognition of Officer Antonio Richardson as law enforcement officer of the day. A quorum was announced, the journal was approved, and the Speaker said the chamber would take up 11 budget conference reports, with debate and final votes on each report. The first report considered was HB 7031E, the tax package, followed by HB 501E, the state budget appropriations bill.
On HB 7031E, Chair Duggan explained that the conference report included a range of tax reductions and tax-related changes, including sales tax holidays, property tax and homestead-related provisions, reductions in certain taxes and fees, and new exemptions or administrative clarifications. He said the package also added items such as sales tax relief for certain university construction projects, a tennis admissions exemption, and changes to agricultural property tax treatment, and that the amendment reduced state and local tax revenues by $272.2 million. Members questioned the bill about the child care tax credit reduction from three years to one, the homestead exemption provision for certain diplomats and foreign service personnel, the absence of gas tax relief and combined reporting, and the inclusion of firearm accessories and tennis tickets in sales tax holidays. After structured debate, the House adopted the conference report and passed HB 7031E by a vote of 88-11.
The House then began the conference report on HB 501E, the $114.5 billion budget for fiscal year 2026-2027, which was described as below the prior year’s spending level and leaving more than $14 billion in reserves. Subcommittee chairs outlined major allocations across education, higher education, IT, health care, transportation and economic development, justice, state administration, and agriculture/natural resources. Highlights included increased FEFP funding and veteran teacher raises, full funding for Bright Futures, major IT modernization projects, Medicaid and behavioral health funding, transportation and local infrastructure spending, correctional and law enforcement investments, fire station and emergency response funding, and large environmental and water-quality appropriations. Members asked detailed questions about school voucher fraud oversight, scholarship funding, teacher raises, preeminence funding, ADAP changes, SNAP data tools and error rates, Medicaid rate changes, prison wastewater monitoring, and other budget items, but the transcript ends during the budget questions before final action on HB 501E is shown.
MA
Massachusetts 2025-2026 Regular Session
Status of Persons with Disabilities Jun 21st, 2026 at 11:00 am
Transcript Highlights:
- Nearly 90% of respondents reported premium increases averaging 11%.
- Also, given the health insurance premium increases... ...hundred people waiting.
- Also, given the health insurance premium increases, that's a growing concern, with 90% of the providers
- reporting double-digit increases.
- Also, given the health insurance premium increases, that's a growing concern with 90% of the providers
Summary:
The Workforce Support Subcommittee of the Status of Persons with Disabilities met, approved the prior November minutes, and heard a presentation from the Association of Developmental Disabilities Providers (ADDP) on its 2025 workforce metrics survey. ADDP described its membership and the survey’s scope, noting 102 of 132 members responded. The report showed continued improvement in staffing: overall vacancy rates fell from 19% in 2024 to 15% in 2025, with declines across programs such as adult long-term residential, community-based day supports, supported employment, and day rehabilitation. However, vacancies remain high, especially for licensed practical nurses and clinicians, and nearly 4,000 positions were still unfilled. Providers also reported that almost 1,800 people remain waiting for day services.
A major new focus in the survey was health insurance costs. Nearly 90% of respondents reported premium increases averaging 11%, and providers said those increases make it harder to offer competitive wages and benefits and hurt recruitment and retention. ADDP said the survey will be repeated in the fall and emphasized that while Chapter 257 investments appear to have helped reduce vacancies, rising insurance costs, immigration-related workforce pressures, and other affordability issues could threaten progress. Commissioners and presenters discussed the need to maintain gains, the importance of keeping the survey manageable while preserving historical comparisons, and the role of immigration and workforce policy in staffing stability.
The subcommittee then elected new co-chairs, unanimously approving Rachel Caprillion and Leo Sarkisian. Members discussed possible topics and speakers for the next meeting, including training and turnover, direct support professional pipelines, apprenticeships, PCA training, and workforce models from other states. Several names and organizations were suggested for outreach, including Josh Cutler, Juan Vega, JVS, HSRI, and NASDDDS. The meeting ended with a motion to adjourn, which was seconded and approved.
AR
Arkansas 2026 Regular Session
ALC-STATE INSURANCE PROGRAMS OVERSIGHT SUBCOMMITTEE Jun 17th, 2026
ALC-STATE INSURANCE PROGRAMS OVERSIGHT SUBCOMMITTEE
Transcript Highlights:
- And it’s increasing because you’re adding scope?”
- increased about $30 or more over what it was when the process changed.
- What we are proposing for you today is a 9.8% increase in the rate, and thus it goes down to a 9.8% increase
- thus a 4.9% increase in their contribution per employee.
- State agencies are at 14.2 cents, which is a 13% increase year over year.
Summary:
The State Insurance Programs Oversight Subcommittee met on June 17 and reviewed a series of Employee Benefits Division and Office of Property Risk items. Grant Wallace presented March and April formulary changes, explaining that the updates favored lower-cost generics, re-tiered some drugs, left several new-to-market drugs uncovered pending more evidence, and added quantity limits in some cases. The committee approved those formulary recommendations. The subcommittee also approved a cell and gene therapy policy that would exclude automatic coverage of those therapies and route them through prior authorization and review, with members noting the process should not delay urgent cases and that appeals remain available.
Members then discussed a UAMS professional consultant services contract amendment for pharmacy benefit consulting. The discussion focused on confusion over the dollar amount and scope, with Wallace clarifying that the committee was being asked to approve up to $2.596 million, including optional services related to coupon and rebate management that could be used later without returning for another approval. Several members raised concerns about matching the written contract to the approval amount and about the relationship to the current pharmacy benefit manager, but the committee ultimately approved the item with the understanding that any use of the optional services would return to the committee. The committee also reviewed, without objection, a Blue Cross/Blue Advantage third-party administrator contract, a CompSack employee assistance program contract, and approved proposed 2027 employee and public school health plan rates of 9.8% and 4.9% increases, respectively. Wallace also said the UnitedHealthcare rebid was in final negotiation and would return in August.
On the property risk side, the committee reviewed permanent rules for the property insurance program, a contingency-fee subrogation contract with Denenberg-Tuffly, and extensions for Sedgwick Claims Management, Actuarial Advantage, and Stevens Capital Management. Members asked about claim-adjustment delays after a major winter storm, and Wallace said performance guarantees and communication requirements had been added, with claims still expected to vary by case. The committee also approved 2026-27 captive insurance program rates, which included no change to minimum deductibles, lower rates for K-12 and higher education, a higher rate for state agencies, and an overall 10% reduction. Wallace said the reductions reflected improved actuarial foundations, better claims management, and the program’s first-year performance. The meeting adjourned after approving the rate item.
NH
Transcript Highlights:
- And of insurance and insurance premiums.
- ,<00:27:22.400>
safer see is lower insurance premiums, safer see is lower insurance premiums - will say that lowering the premiums will say that lowering the premiums obviously<00:32:40.799><
- They have uh bear increased years.
- Um, it is notable, the increase in costs.
NH
New Hampshire 2025 Regular Session
House Labor, Industrial and Rehabilitative Services (02/18/2025)
Labor, Industrial and Rehabilitative Services
Transcript Highlights:
- >
increase <01:19:01.719>in benefit there's an increase in benefit there's an increase - in premium."
- would be picked up through an increase would be picked up through an increase in premium<01:22:39.360
- <01:22:40.360>
PID <01:22:40.639>by premium okay so that's a premium PID by premium - result in an overall average premium result in an overall average premium increase<01:35:38.840>
HI
Transcript Highlights:
- for adjustments for health premium for adjustments for health premium payments<00:04:07.280>
- the second year for health pay premium the second year for health pay premium payments<00:04:23.520
- This also is an increase in the fringe benefit rate.
- BF 143 uh this also is an increase in BF 143 uh this also is an increase in The<00:11:26.120>
Fringe - Again, within the EF, this is increasing costs.
TX
Transcript Highlights:
- It hasn't increased at all.
- So, in a typical year, you will see premiums increase by, on average, you know, 5, 10.
- In that particular year, we did not increase premiums at all, we held them at zero.
- increases on average of about 18 to 25.
- It is holding them at a maximum. increase, or an average increase of 10 percent.
Keywords:
infrastructure, water supply, flood mitigation, Texas Water Fund, community projects, funding allocations
Summary:
During this committee meeting, the focus was on discussing critical infrastructure funding, especially related to water supply and flood mitigation projects. Chairwoman Stepney and the Water Development Board presented extensive details regarding the Texas Water Fund, which included $1 billion appropriated to assist various financial programs and tackle pressing water and wastewater issues. Additionally, funding allocations aimed at compromising the state's flood risk and improving water conservation were hotly debated, emphasizing collaboration among committee members and the necessity of addressing community needs in such projects.
NM
New Mexico 2026 Regular Session
House - Appropriations and Finance Jan 14th, 2026 at 02:15 pm
House Appropriations & Finance
Transcript Highlights:
- Otherwise, both recommendations fund increased health and risk insurance. premiums and increased field
- risk insurance premiums and for increased field work costs, including equipment upkeep, repair or replacements
- Otherwise, both of the recommendations also include funding for increased health and risk insurance premiums
- and risk insurance premium increases, and that results in increased personnel in other budget categories
- Some of these requested increases attempt to make these increases recurring.
MN
Transcript Highlights:
- We see those increases in premiums in the individual market.
- We see those increases in<00:21:06.560>
premiums <00:21:07.080>in <00:21:07.200>the - We see<00:21:09.000>
those <00:21:09.240>increases see those increases see those increases - increasing uh increasing unco- increasing uh uninsurance,<00:27:08.400>
we <00:27:08.560>have - As<00:40:34.920>
the <00:40:35.040>premium As the premium As the premium rises, rises,
Bills:
HF4343
Keywords:
sales tax, use tax, advertising tax, taxable services, digital advertising, online marketing, marketing services, search engine marketing, lead generation, internet advertising, ad agency, media buying, campaign planning, Minnesota tax law, service tax, broadening tax base, web advertising, promotional services, 1183, house
OK
Oklahoma 2026 Regular Session
Business and Insurance 2ND REVISED Feb 19th, 2026 at 09:30 am
Business and Insurance
Transcript Highlights:
- What is being changed or proposed to increase that transparency in this particular bill.
- It's continued to increase.
- When you talk about people dropping their home insurance because of premium increases, it's dangerous
- Is insurance the only industry where we have seen increased pricing or significant increase in cost over
- More than a billion dollars was refunded in premium credits to consumers.
Bills:
SB1969, SB1953, SB1277, SB1287, SB1061, SB1916, SB1589, SB2178, SB1444, SB1438, SB1501, SB1873, SB1364
Keywords:
massage therapy, licensing, multistate compact, regulation, healthcare, professionals, Employer Health Plan Transparency Act, health insurance, claims data, contract provisions, health care providers, auditable materials, HIPAA compliance, insurance regulation, unemployment benefits, employment security, work search, job search, reemployment, jobless benefits
WV
West Virginia 2026 Regular Session
WV Senate Banking and Insurance Committee in Session Mar 11th, 2026 at 02:34 pm
Transcript Highlights:
- Today, our premiums are the fourth best in the country.
- "The legislature had increased that from $1 million to $1.25 million in 2019.
- But it's my understanding that currently the annual premium for the $5 million excess policy is just
- That coverage then will be, I will pay an additional premium. Erie will collect it.
- That premium is then remitted to BRIM.
Summary:
The Senate Banking and Insurance Committee met with a quorum present and approved the March 4, 2026 minutes by voice vote. The committee first considered House Bill 55, which updates and modernizes workers’ compensation statutes to reflect the privatized system, remove obsolete provisions, and adjust the Workers’ Compensation Board of Review from five members to three. The Insurance Commissioner testified that the bill is part of the cleanup from privatization and would give the governor more flexibility in appointments. After adopting a strike-and-insert amendment and a title amendment, the committee reported HB 55 to the full Senate with a recommendation that it do pass.
The committee then took up House Bill 5463, which would reduce BRIM’s required liability coverage for county boards of education from $1.25 million to $1 million per occurrence and eliminate the separate $5 million excess coverage requirement. BRIM’s director testified that the excess market was difficult to access and costly, but several senators raised concerns that lowering coverage could reduce protection for victims and school-related claims. After a divided vote, the motion to report the bill failed, and HB 5463 was not passed by the committee.
Next, the committee considered House Bill 4869, creating guaranteed issue rights for Medicare supplement policies, including annual birthday replacement rights and a special right for certain Medicaid recipients losing eligibility. Counsel said the bill would prohibit underwriting barriers during the guaranteed issue periods and require an annual report on premium trends. With no amendments offered, the committee reported HB 4869 to the full Senate with a recommendation that it do pass.
Finally, the committee considered House Bill 5462 on mine subsidence insurance. The bill would allow the mine subsidence fund to offset payments by amounts received from other sources and limit lawsuits over claims reported to BRIM. Members debated a proposed strike-and-insert amendment that would have softened the litigation limits and added notice and remedy provisions, but the amendment was rejected. The committee then reported HB 5462 to the full Senate with a recommendation that it do pass, and the meeting adjourned.
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Public Health Jun 21st, 2026 at 09:00 am
Joint Committee on Public Health
Transcript Highlights:
- , and saw a 565% increase in out-of-state patients compared to 2022.
- involvement, increasing, deepening of poverty, etc.
- ConnectorCare plans deliver lower monthly premiums, in some cases no premiums, reduced co-pays, and eliminate
- increases.
- increases.
Summary:
The Joint Committee on Public Health held an introductory informational hearing for the new session, with Chairs Marjorie Decker and Senator Michael Driscoll outlining the committee’s scope and emphasizing the impact of the federal landscape on Massachusetts public health. They noted the hearing would focus on testimony from agencies and advocates, with short testimony limits due to the hybrid format. No votes were taken; the meeting was for briefing and discussion of priorities.
Commissioner Robbie Goldstein of the Department of Public Health described the department’s budget and federal funding, warning that recent CDC grant terminations could cut nearly $100 million and affect lab testing, surveillance, vaccines, and community engagement. He highlighted DPH priorities including racial equity, maternal health, substance use and child welfare coordination, emergency preparedness, data transparency, and public hospital quality. MassHealth Assistant Secretary Michael Levine discussed MassHealth’s role covering about 2 million residents and its priorities in health equity, behavioral health, primary care, member independence, and customer service, while noting the agency relies heavily on federal Medicaid dollars and would face major strain from federal cuts.
Several advocacy and provider groups focused on reproductive health and maternal health. Planned Parenthood warned of threats to Title X, 340B savings, and other federal funding, and supported a bill to eliminate parental consent and judicial bypass for abortion care for young people. Reproductive Equity Now urged stronger shield-law protections and changes to Massachusetts’ later-abortion framework. Dr. Indyamaka Anugaka called for full implementation of the maternal health law, better reimbursement for doulas and midwives, stronger data collection, and support for full-spectrum pregnancy care coverage. The Health Policy Commission said new maternal health and primary care task forces would begin work soon.
Mental health and health system access were also major themes. The Mass Medical Society urged action on vaccine hesitancy, removal of non-medical school vaccine exemptions, and primary care reform. The Massachusetts Association for Mental Health and the Children’s Mental Health Campaign opposed proposed cuts to DMH and substance use services, called for more school-based supports, and raised concerns about inpatient capacity, including a unit serving LGBTQ youth. The Massachusetts Nurses Association and 1199 SEIU warned that staffing shortages, low wages, workplace violence, hospital closures, and possible Medicaid cuts threaten patient care and the health care workforce. The Betsy Lehman Center also urged investment in automated patient-safety monitoring to reduce harm and costs.
NH
New Hampshire 2026 Regular Session
Senate Health and Human Services (02/04/2026)
Health and Human Services
Transcript Highlights:
- Third, even the fiscal note acknowledges that increased premiums could result in increased insurance
- >
in that increased premiums could result in that increased premiums could result in increased - > revenue increased insurance premium tax revenue increased insurance premium tax revenue to<00:24
- Increases in cost, as you've heard me say before, get pushed down to premiums and affects the client.
- Increases in cost, as you've heard me say before, get pushed down to premiums and affects the client.
NH
New Hampshire 2025 Regular Session
House Commerce and Consumer Affairs (01/07/2025)
Transcript Highlights:
- apply to finding ways to reduce premiums apply to finding ways to reduce premiums for<00:36:13.160
- including workers compensation premium including workers compensation premium rates<00:43:17.319
- <00:47:48.040>
taxes we do a collection of Premium taxes we do a collection of Premium taxes - <01:12:50.840>
increases see very significant premium increases see very significant premium - <04:55:54.600>
and benefits were a $2 million increase and benefits were a $2 million increase
Summary:
The meeting began with introductory remarks for new and returning members of the House Commerce Committee, led by Chairman John Hunt. Members briefly introduced themselves and their backgrounds, and several noted the committee’s bipartisan, collegial tone. Hunt explained the committee’s structure and traditions, including the division into three subcommittees: banking and business, consumer protection, and liquor commission matters, with insurance now handled as a single area. He also reviewed basic hearing procedures, including decorum, questions for information only, and the committee’s practice of moving bills through subcommittees before full committee executive sessions.
The committee then heard an overview from the New Hampshire Insurance Department, led by Commissioner DJ Bettencourt and staff. The department described its mission as promoting a safe and competitive insurance marketplace and emphasized consumer protection, market competition, and affordability. Officials outlined the department’s responsibilities, including licensing insurers, producers, adjusters, and TPAs; reviewing insurance forms; regulating companies and market conduct; overseeing financial solvency; and investigating insurance fraud. They also noted that the department is self-funded through assessments on insurers, collects premium taxes and fees for the state, and returned more than $2.7 million to companies in fiscal year 2024 due to underspending.
The presentation also covered the broader regulatory framework for insurance, including the role of the National Association of Insurance Commissioners in promoting uniform standards across states and territories. Officials said New Hampshire licenses about 1,200 insurance companies and roughly 245,000 producers and adjusters, and that the department’s financial examinations are part of an accreditation system used nationwide. No votes or formal committee actions were taken in the portion provided; the session was primarily organizational and informational, with the insurance department presentation beginning the committee’s substantive work for the term.
CA
California 2025-2026 Regular Session
Senate Revenue and Taxation Committee May 6th, 2026
Revenue and Taxation
Transcript Highlights:
- this new era, developers are reasonably concerned by the potential for overassessment, which could increase
- We also have a looming threat of a 38% increase in Fair Plan premiums in 2026.
- We also have a looming threat of a 38% increase in Fair Plan premiums in 2026.
- And when losses are lower, pressure on premiums and state-backed insurance programs is reduced.
- But every month, that premium came out of our tight budget.
MN
Minnesota 2025-2026 Regular Session
House Workforce, Labor, and Economic Development Finance and Policy Committee 2/24/26
Workforce, Labor, and Economic Development Finance and Policy
Transcript Highlights:
- Uh, paid leave is funded by premiums Uh, paid leave is funded by premiums that<00:03:16.800>
are small employers pay a reduced premium small employers pay a reduced premium for<00:07:53.039>- The premium leave lines of coverage.
- effective premium rate is 66%.
- system for wage detail and premium system for wage detail and premium reporting<00:39:48.320>
CA
Transcript Highlights:
- Most notably, it increases the forest registration fees and begins transitioning a portion of seasonal
- This allows the department to sustain existing enforcement activities without imposing fee increases
- . and premiums.
- increase costs for Californians and worsen our energy affordability crisis.
- The passage of Prop 35 nullified this increase.
NH
New Hampshire 2026 Regular Session
House Commerce and Consumer Affairs (04/15/2026)
Commerce and Consumer Affairs
Transcript Highlights:
- No increased premium costs have been reported.
- No increased premium costs have been reported.
- <03:52:13.439>
a <03:52:13.600>larger premium increases the way that a larger premium - or second they're going to get a premium or second they're going to get a premium increase<04:12
- means, of course, is increased premiums. means, of course, is increased premiums.