Bills: SB282, SB282

Keywords: virtual currency, cryptocurrency, tax exemption, state tax law, digital assets, manufactured homes, certificate of title, Alabama Department of Revenue, law amendment, 1999 models, 1136, house, all

Bills: SB1767, SB1859, SB1767, SB1859

Keywords: alcoholic beverages, shipping, retailers, legal compliance, civil penalties, interstate regulation, enforcement, cyber crime, fraud unit, digital evidence, Oklahoma State Bureau of Investigation, investigative powers, financial deception, ransomware, 914, all

Transcript Highlights:

• We call them STOs, or school tuition organizations... ...and they receive that dollar-for-dollar tax
• So our taxpayers here in Arizona are very blessed and already understand what a dollar-for-dollar credit
• and federal tax dollars, for that matter.
• It would be the first and only federal tax credit that is dollar for dollar.
• There's numerous federal tax credit dollar-for-dollar tax credits out there.

Bills: SB1042, SB1043, SB1044, SB1135, SB1136, SB1142, SB1180, SB1221, SB1252, SB1254, SCR1003

Keywords: public funds, virtual currency, bitcoin, investment, Arizona Strategic Digital Asset Reserve Act, state treasurer, retirement system, state payments, cryptocurrency, Arizona law, payment methods, government transactions, property tax, tax exemption, Arizona Revised Statutes, digital currency, workers' compensation, death benefits, burial costs, spousal compensation

Summary: The committee began with staff and page introductions, then took up a series of previously heard bills, mostly related to cryptocurrency and tax administration. SB 1042, SB 1043, SB 1044, and SCR 1003 dealt with allowing public entities to invest in virtual currency, accept cryptocurrency payments, and exempt virtual currency from property tax. Supporters framed the measures as modernization, while opponents argued crypto is risky, fraudulent, and a poor use of public funds. All four measures were recommended do pass on narrow 4-3 votes, with Democrats generally opposed. The committee also heard SB 1221, which would require the Department of Revenue to notify legislative tax chairs before adopting a new interpretation or application of tax law that could adversely affect taxpayers. The sponsor said the bill was meant to front-load disputes and avoid surprise tax changes; it passed 4-3. SB 1142, which would have Arizona opt into a new federal scholarship tax credit program and require ADOR to administer it, drew extensive testimony. Supporters said it would expand scholarship opportunities for students in public, charter, private, and home education settings and keep donations in Arizona. Opponents argued it would divert money from public schools, lack accountability, and primarily benefit wealthier families. The bill passed 4-3 after lengthy debate. The committee then questioned Department of Revenue officials about a press release on Arizona tax forms and federal conformity after H.R. 1. Members focused on why the department told taxpayers not to wait to file, how the state conforms to federal changes, and whether amended returns would be needed if the Legislature changes the forms later. DOR said the forms were issued assuming conformity, that most taxpayers would not be affected by pending changes, and that amended returns could be required for some retroactive provisions; members criticized the guidance as confusing and potentially costly. Finally, the committee heard SB 1254, which would require both grantor and grantee signatures on conveyance documents before recording, to reduce deed fraud and clarify acceptance of property transfers. County assessors supported the bill, saying it would close a loophole and improve records; it passed 6-0 with one member not voting. The committee then began SB 1252, the Uniform Assignment for Benefit of Creditors Act, with testimony from the Arizona Uniform Laws Commission explaining that it would create a more uniform framework for asset assignments and creditor claims, but the transcript cuts off before any vote on that measure.

Transcript Highlights:

• safe and to rescue us and do all the things that we need them to do when we just dial those three digits
• oftentimes vulnerable folks who are, quite frankly, scammed, oftentimes out of tens of thousands of dollars
• This bill would create a carefully limited statutory framework to hold and manage a strategic digital
• I don't have the dollar amount in front of me right now, Senator Sharief, as far as when a parent can
• This is a responsible step to better protect Floridians' finances in an increasingly digital economy,

Bills: S0198, S0570, S0772, S0808, S1038, S1040, S1286, S1440, S1504, S1668

Keywords: virtual currency, kiosks, money services business, regulation, financial services, consumer protection, cryptocurrency, registration, payment scams, task force, fraud prevention, property insurance, roofing requirements, inspector, insurance policies, homeowners insurance, roof age, residential structures, insurance renewal, investment

Summary: The Committee on Banking and Insurance met with a quorum present and took up a series of bills, beginning with SB 1286 by Senator Wright. That bill expands the law enforcement recruitment bonus program to include firefighters, creates a DFS grant review panel for fire-related grants, and establishes an institute for PTSD and first-responder behavioral health. Testimony from fire chiefs and others supported the measure, and the committee reported it favorably. The committee then considered several insurance and financial regulation bills. CS/SB 198 by Senator Rousan, as amended, regulates virtual currency kiosks with transaction limits, notice and receipt requirements, and OFR enforcement authority; witnesses described it as a needed anti-fraud measure, especially for seniors, and it was reported favorably. CS/SB 772 by Senator Burgess, as amended, allows limited licenses for portable electronics and eyewear insurance, and CS/SB 1504 by Senator Claudio, as amended, creates a pathway for high school students to qualify for insurance customer representative licensure; both were reported favorably. The committee also approved two cryptocurrency reserve bills by Senator Gruters: CS/SB 1038 creates the Florida Strategic Cryptocurrency Reserve framework, and CS/SB 1040 creates the related trust fund; both received technical amendments and favorable reports. CS/SB 1440 by Senator Martin, as amended, creates public records exemptions and cybersecurity reporting provisions for financial institutions and related entities, and it was reported favorably. Finally, SB 1668 by Senator Burton, which updates the NICA program’s funding and benefit structure, and CS/SB 570 by Senator Polsky, which creates a task force on payment scams, were both heard with supportive testimony and reported favorably. Senators later recorded additional affirmative votes on selected bills before the committee adjourned.

Transcript Highlights:

• <00:57:55.400> equity broadband development and digital equity broadband development and digital
• <01:00:42.480> into hundreds of millions of dollars into hundreds of millions of dollars into
• office of broadband to include digital office of broadband to include digital opportunity<01:02:
• <01:02:11.880> opportunity fed the department digital opportunity fed the department digital
• start adding computer access and digital start adding computer access and digital skills<01:10:05.040

Bills: HF44, HF2102, HF2279, HF2280, HF2281

Keywords: HF44, Casey Jones State Trail, Pipestone Trailhead, Currie Loop, Minnesota bonding bill, capital investment, state bonds, bond proceeds fund, Department of Natural Resources, DNR, trail rehabilitation, trail reconstruction, recreational trail, bike trail, hiking trail, infrastructure, state trail, Pipestone, Currie, bonding authorization

Bills: SB277, HB395, HB482, SB251, HB513

Keywords: decentralized nonprofit association, unincorporated nonprofit association, blockchain, distributed ledger technology, smart contract, digital asset, crypto, web3, DAO, decentralized autonomous organization, nonprofit governance, digital membership, consensus mechanism, ledger, Alabama nonprofit law, entity formation, liability protection, service of process, real property, winding up

Transcript Highlights:

• <00:12:37.920> assets a safe deposit box for digital assets a safe deposit box for digital
• As digital assets and personally.
• London uh not dollar for dollar but more London uh not dollar for dollar but more for<00:21:45.840
• 20% of our members own uh digital 20% of our members own uh digital assets.<00:30:02.720> And
• to to incur by having this um digital to to incur by having this um digital lock<00:38:02.320>

Bills: HF3604, HF2236, HF3709, HF3766, HF2400

Keywords: bulk fuel, nonoxygenated gasoline, environment, exemption criteria, transportation, HF2236, Minnesota commerce, obsolete language, statutory cleanup, retail installment contract, consumer credit, vehicle financing, auto loans, retail buyer, retail seller, delinquency charge, collection fee, attorney fees, assignment notice, payment receipt

Summary: The committee first approved the minutes from February 26, after correcting the header date to Thursday, February 26. It then took up House File 36004, as amended by the author’s technical A1 amendment. Representative Van Binsbergen described the bill as a change to statute governing bulk delivery of nonoxygenated fuel, especially for boats and other watercraft, to allow direct delivery to vehicles rather than requiring transport of fuel in containers or removal of boats from the water. Members generally supported the concept, citing convenience for lake users, reduced travel and potential invasive species spread, and fewer spill risks, but the chair said the bill would be laid over pending additional clarification from the State Fire Marshal’s Office and other agencies. House File 2236 was then introduced as a vehicle bill for possible future omnibus use and laid over without testimony or opposition. The committee also heard House File 3709, which would allow Minnesota banks and credit unions to offer custodial accounts for digital assets such as cryptocurrency. The authors framed the bill as a consumer-protection and competitiveness measure that would let local institutions keep pace with customer demand and prevent Minnesotans from relying on out-of-state or offshore providers. Testimony from the Department of Commerce and credit union representatives supported the bill, saying it would level the playing field, keep digital assets under Minnesota oversight, and help local institutions remain relevant; one witness said significant liquidity had been leaving local communities for outside exchanges. Questions from members focused on whether the accounts would be NCUA-insured, how the bill related to unclaimed property, and whether the policy goal was consumer protection or simply preserving bank relevance. Several members expressed support but also cautioned about crypto volatility, scams, and the need to avoid turning credit unions into exchanges. The discussion ended without a final vote in the excerpt, with the bill still under committee consideration.

Transcript Highlights:

• Double-digit operating margins, gross growth, significant financial assets, investments.
• To get to some hospital-specific numbers, billion-dollar hospital systems that are billion-dollar hospital
• Double-digit<00:23:55.720> operating<00:23:56.240> margins<00:23:56.679> gross Double-digit
• operating margins gross Double-digit operating margins gross growth.<00:23:58.560> Um growth.
• <01:26:52.760> in<01:26:53.205> [snorts] dollars in [snorts] dollars in [snorts] their<

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

Transcript Highlights:

• And they promote Wyoming's economy by fostering a safe harbor for digital innovation and ensuring that
• And they promote Wyoming's economy by fostering a safe harbor for digital innovation and ensuring that
• ><01:09:44.159> safe<01:09:44.400> harbor<01:09:44.719> for<01:09:44.880> digital
• by fostering a safe harbor for digital by fostering a safe harbor for digital innovation<01:09:45.920
• <01:43:42.960> clearing, exchange operations, dollar clearing, exchange operations, dollar

Bills: HB0103, HB0070, HB0091

Keywords: First Amendment, free speech, lawsuits, immunity, public participation, strategic lawsuits, foreign censorship, digital innovation, constitutional rights, Wyoming GRANITE Act, extraterritorial laws, civil actions, speech protection, legal jurisdiction, joint liability, artificial intelligence, social scoring, biometric data, privacy rights, government regulation

Transcript Highlights:

• But if they do receive it, it's less than a half a million dollars.
• receive it, it's less than a half a receive it, it's less than a half a million<01:23:22.960> dollars
• 23.920> so<01:23:24.080> I<01:23:24.320> think<01:23:24.400> they million dollars
• And so I think they million dollars.

Bills: HB0103, HB0070, HB0091

Keywords: First Amendment, free speech, lawsuits, immunity, public participation, strategic lawsuits, foreign censorship, digital innovation, constitutional rights, Wyoming GRANITE Act, extraterritorial laws, civil actions, speech protection, legal jurisdiction, joint liability, artificial intelligence, social scoring, biometric data, privacy rights, government regulation

Transcript Highlights:

• This measure prohibits the ownership, operation, or management of a digital financial asset transaction
• kiosk that accepts U.S. currency from a customer in exchange for a digital financial asset.
• So, you can see a significant dollars.
• about a million dollars, averaging about $13,000<00:08:55.640> per<00:08:55.800> person.
• from you know, 10 millions of dollars from you know, 10 years<00:25:33.200> ago,<00:25:33.400

Bills: HB1511, HB1535, HB1642, HB1753, HB1810, HB2282, HB2614

Keywords: consumer protection, unsolicited mail, unsolicited email, junk mail, spam email, deceptive marketing, misleading solicitation, high-pressure sales, vehicle warranty, auto warranty, service contract, home warranty, license renewal, registration renewal, government impersonation, affiliation disclosure, direct mail, email marketing, consumer fraud, refund

Summary: The committee heard several consumer-protection and insurance measures. HB 1511 HD2 would prohibit unsolicited mail or email using high-pressure tactics or falsely implying affiliation with another entity; it drew support from the Office of Consumer Protection, the DCCA Insurance Division, and the Service Contract Industry Council, with some written support and at least one opposition. HB 1535 HD2, concerning automated external defibrillators and a tax-related provision for devices installed in certain public accommodations, received comments from DOTAX and the Tax Foundation, with additional support from the Department of Health and other groups. HB 1642 HD1 would ban ownership or operation of digital financial asset transaction kiosks that accept U.S. currency; it was strongly supported by OCP, the Attorney General, and AARP, while kiosk operators and industry representatives opposed the ban and urged a regulatory approach instead, including licensing, transaction limits, refunds, and other safeguards. Members questioned whether federal action could preempt the bill and whether a licensure regime could be funded through a surcharge, but no action was taken during the discussion. The committee also took up HB 1753 on social media account deletion and permanent erasure of personal information, with OCP standing on its initial comments and TechNet and Will Caron in support. HB 1810 HD2 would impose prompt payment and financial reporting requirements on professional solicitors selling donated tangible property on behalf of charities; Goodwill Hawaii testified in strong support, emphasizing donor trust and transparency, and several nonprofit and business groups submitted supportive testimony. HB 2282 HD1, which would require explanations for premium increases and clarify insurance licensing and cancellation/non-renewal procedures, was supported by the Insurance Division and OCP; a vice chair asked for complaint data related to condo associations, and a member noted that the same agencies had previously opposed similar Senate bills. Finally, HB 2614 HD1 would require cosmetics merchants to accept returns of new or unopened goods within specified time frames and improve signage requirements; OCP said the bill addressed longstanding complaints about high-pressure sales tactics and no-return policies, citing over 180 complaints and survey results showing most complainants did not understand the policy and felt misled.

Transcript Highlights:

• If the shop's revenues decrease, so too do the required dollar payments.
• It's discharged during the period that they're making zero dollars.
• Net 30, net 60, and 120 days later, you still owed a million dollars.
• It is through the deposit dollars that we receive.
• My investment portfolio totals approximately one million dollars.

Bills: HB245, HB700, HB2783, HB3526, HB3900, HB4061, HB4124, HB4166, HB4395, HB4534, HB4609, HB4641, HB4736, HB4738, HB4739, HB4945, HB5015, HJR175, HB245

Keywords: military service, retirement, law enforcement, custodial officer, Employees Retirement System, commercial financing, brokers, registration, disclosures, finance, consumer protection, fees, deferred compensation, automatic participation, county employees, payroll deductions, retirement plans, fiscal transparency, local government, bond issuance

Transcript Highlights:

• Fraud losses for 2004 were half a million dollars in charge-offs. For 2004, it was $7.3 million.
• These fees act as a hidden tax on a tax, and they siphon dollars out of Texas communities and into the
• We use specialized furniture software, and it's a six-digit number to replace the software.
• We have half a million dollars in fraud losses in a year.
• We charge off over seven million dollars each year in credit cards. We're in the red.

Bills: HB245, HB245, HB700, HB2783, HB3526, HB3900, HB4061, HB4124, HB4166, HB4395, HB4534, HB4609, HB4641, HB4736, HB4738, HB4739, HB4945, HB5015, HJR175

Keywords: property tax, delinquent taxes, ad valorem, penalties, interest cap, military service, retirement, law enforcement, custodial officer, Employees Retirement System, commercial financing, brokers, registration, disclosures, finance, consumer protection, fees, deferred compensation, automatic participation, county employees

Transcript Highlights:

• But for digital driver's licenses and digital IDs, what this would do is, you're 100% correct, as this
• But for digital driver's licenses and digital IDs, what this would do is, you're 100% correct, as this
• Um, I really like this digital IDs.
• Um, I really like this digital IDs.
• Um, I really like this digital IDs.

Bills: HF3919, HF1335, HF3864, HF3916, HF3728

Keywords: veterans benefits, Secret War, Laos veterans, eligibility process, burial fees, veteran designation, electronic license, driver's license, digital credential, transportation, data privacy, authentication, license plates, vehicle registration, validation stickers, Minnesota statutes, transportation policy, aeronautics, transponder, aircraft safety

Transcript Highlights:

• government on resource management, as was mentioned, has cost us thousands of jobs and millions of dollars
• government on resource management, as was mentioned, has cost us thousands of jobs and millions of dollars
• Well, we're dealing with a really a multi-billion dollar industry, and it hasn't had a home.

Bills: HB0108, HB0039, HB0091, HB0070

Keywords: audit, transparency, government reporting, accountability, public access, firearm rights, restoration of rights, criminal justice, felony convictions, Wyoming law, artificial intelligence, social scoring, biometric data, privacy rights, government regulation, foreign censorship, digital innovation, constitutional rights, Wyoming GRANITE Act, extraterritorial laws

Bills: HB0108, HB0039, HB0091, HB0070

Keywords: audit, transparency, government reporting, accountability, public access, firearm rights, restoration of rights, criminal justice, felony convictions, Wyoming law, artificial intelligence, social scoring, biometric data, privacy rights, government regulation, foreign censorship, digital innovation, constitutional rights, Wyoming GRANITE Act, extraterritorial laws

Transcript Highlights:

• It prevents digital-only identification mandates.
• You're not saying that you can't do digital, correct?
• You're not saying you're getting rid of digital.
• If there's a time tax, it costs thousands of dollars.
• If there's a time tax, it costs thousands of dollars.

Bills: HB2127, HB2257, HB2305, HB2573, HB2772, HB2941, HB2957

Keywords: special license plates, transportation, funding, nonprofits, charitable contributions, boating, watercraft licensing, law enforcement, safety fund, state funding, Arizona Revised Statutes, towing regulation, private towing carriers, vehicle impound, towing rates, preemption, DUI, ignition interlock, substance abuse treatment, driving privileges

Summary: The House Committee on Transportation & Infrastructure heard several bills, beginning with HB 2957, which would require physical driver licenses to be accepted for identification purposes and prohibit cities, towns, counties, and districts from requiring digital mobile IDs for government services. The sponsor framed the bill as a privacy and choice measure tied to concerns about Real ID, biometric data, and federal overreach. Supporters said it preserves a non-Real ID option and protects privacy, while opponents raised concerns about travel requirements and whether the bill could affect proof of legal status. The committee approved HB 2957 on a 4-3 vote. The committee then considered HB 2941, which would make certain motorcycle lane-splitting or passing behavior subject to reckless driving penalties. The sponsor and a motorcycle rights representative explained the difference between lawful lane filtering and unlawful lane splitting, saying the bill would add enforcement teeth for unsafe conduct and improve safety. Members discussed the distinction between filtering and splitting, and several related personal safety concerns. The committee passed HB 2941 unanimously, 7-0. HB 2305, dealing with private towing carriers, would establish statewide rules for private-property towing, including rate standards tied to DPS agreements, documentation and photo requirements, notice to law enforcement, and penalties for unlawful towing. Supporters said the bill would create uniformity and curb predatory towing, while the Arizona Trucking Association raised concerns about the DPS rate structure and the need for further stakeholder work. The committee adopted an amendment clarifying the bill applies only to motor vehicles towed from private property and then passed the bill 7-0. HB 2257, a strike-everything amendment changing the distribution of watercraft fee revenues and requiring an annual expenditure report, also passed after Game and Fish warned of a significant fiscal impact and committee members discussed Mohave County’s water patrol needs; the vote was 4-3. Finally, the committee heard HB 2573, which as amended was narrowed to address a 45-day gap before repeat DUI offenders can install ignition interlock devices. Supporters said the change would improve public safety by allowing earlier use of the technology, while members discussed whether it would weaken DUI laws and how the interlock system works. The transcript cuts off before the final vote on HB 2573, so no committee action is shown for that bill in the provided text.

Transcript Highlights:

• By far the easiest, cheapest way to address our e-waste problem is to keep our electronics and digital
• Consumers of digital equipment, hereafter referred to as consumers, have been forced into an original
• I want to share a quick story with you about a digital filmmaker customer and a small business owner.
• Through digital locks, proprietary software, and restrictive service agreements.
• Modernizing manufacturing by adopting digital Technologies and automation is essential.

Bills: HB2963, HB3005, HB3287, HB3288, HB3289, HB3290, HB3344, HB3712, HB3862, HB3874, HB4196, HB4308, HB4901, HB4984

Keywords: digital equipment, repair rights, manufacturers, maintenance, consumer rights, construction contracts, payment regulations, public works, dispute resolution, audit procedures, construction, trust funds, mechanic's lien, contractor, subcontractor, residential properties, disputes, payment obligations, accountability, payment disputes

Summary: The committee heard testimony on HB 3862, which would restrict social media app use for minors and limit smartphone/social media access in classrooms. Supporters, including representatives from Champions for Childhood, argued that smartphones and social media are linked to addiction, distraction, cyberbullying, and worsening youth mental health, and said the bill would help parents and schools protect children. After testimony, the committee left HB 3862 pending. Members then heard HB 3712, a construction retainage bill that would stop owners from withholding reserved funds on specially fabricated materials once they are delivered, approved, and warranted, while still allowing retainage for labor and installation. Witnesses from the precast concrete industry said current retainage practices delay payment for years and create financial risk for subcontractors and suppliers. The bill was left pending after closing. The committee also heard HB 2963, a right-to-repair bill requiring manufacturers to provide parts, tools, and information for owners and independent repair providers, with carve-outs for medical devices, vehicles covered by existing repair agreements, trade secrets, and security protections. Support came from consumer, environmental, repair, and policy groups, while one witness from Safelite was neutral and urged removal of the MOU reference for auto manufacturers. HB 2963 was left pending. The committee also heard HB 4308, which would create county industrial development districts to attract industrial employers and finance infrastructure through local elections and a board structure. Supporters, including the Fort Bend County commissioner, said the bill would help counties diversify tax bases and create jobs; the bill was left pending. Later, the committee took up several pending bills and voted to report HB 74, HB 112, HB 2214, HB 3016, HB 3133, HB 3173, HB 3807, HB 4063, HB 4115, HB 5008, and HB 2652 favorably to the full House, with some sent to the Local and Consent Calendars. The committee also heard HB 3874 on construction contract transparency and HB 4196 on creating a task force to modernize manufacturing, both of which were left pending. Finally, the committee heard HB 3344, which would create a licensing and regulatory framework for re-roofing contractors; supporters said it would curb storm-chasing and protect homeowners, while one roofing contractor opposed it as too restrictive and argued existing fraud laws are sufficient. HB 3344 was also left pending.

Transcript Highlights:

• about and understand a digital footprint while simultaneously banning the digital media they need to
• the digital media simultaneously banning the digital media they<00:08:39.640> need<00:08:39.880
• digital screeners. digital screeners.
• > bans<00:08:56.560> these Banning digital media also bans these Banning digital media
• <00:09:44.160> and universal supports that are digital and universal supports that are digital

Bills: HF3776, HF3557, HF3585

Keywords: screen time, preschool, kindergarten, early childhood education, digital media, tablets, smartphones, educational technology, EdTech, classroom devices, publicly funded preschool, school policy, child development, special education, IEP, 504 plan, IFSP, Minnesota education law, climate literacy, education

Summary: The committee first approved the previous day’s minutes, then took up House File 3776, as amended by the A2 amendment, which clarified how the bill would apply to students with IEPs and 504 plans. The bill’s author argued that Minnesota should address screen time for preschool and kindergarten students, saying current law is too broad, that young children are especially vulnerable to developmental and attention harms from screens, and that parents and teachers should have more control over device use. The bill was laid over after discussion. Testimony on HF 3776 was split. Amanda Faye of Minnetonka Public Schools opposed the bill as drafted, saying it would conflict with existing academic standards, READ Act screening requirements, accessibility tools, and local control, and would force districts back to paper-based screening. Katherine Myers of Live More Screen Less supported the bill, citing concerns about early childhood screen exposure and arguing that screen-free time supports child development. Members raised concerns about local control, parental rights, and how to protect students who need devices for accommodations; the author and nonpartisan staff noted that schools can already adopt cell phone policies, but exceptions may be needed for certain students and uses. After laying over HF 3776, the committee began House File 3557. Representative Craft introduced the bill as a voluntary program to promote practical science education and workforce development tied to climate literacy, including a proposed Minnesota Seal of Climate Literacy for high school students. The bill was only introduced before the transcript ended, with no vote or final action recorded on HF 3557.

Bills: SB19

Keywords: SB19, prostate cancer, prostate cancer screening, PSA test, digital rectal exam, preventive screening, health insurance mandate, no cost sharing, copay, deductible, coinsurance, high-risk men, African American men, men over 50, men over 40, family history, genetic marker, health benefit plan, insurer coverage, Alabama insurance code