Transcript Highlights:

• So in a time of rising insurance premiums and decreased accessibility of health care, these low-cost
• instead of the standard 80 cents per dollar that standard emergency insurance companies apply to premiums
• And given what I read in the paper today about trying, DeSantis trying to reduce the premiums, that's
• But we believe the heart of this of saying, hey, where's your premium dollar going?
• When you have ...of saying, hey, where's your premium dollar going? Makes perfect sense.

Bills: S0266, S0394, S0540, S0632, S0642, S0832, S0834, S1028

Keywords: public adjuster, contract cancellation, state of emergency, vulnerable adults, disciplinary actions, financial regulation, information security, financial exploitation, licensing, transportation, insurance, TNC, ride-sharing, automobile liability, bail bond, insurance regulation, foreign insurers, financial disclosure, premium reporting, residential property insurance

Summary: The Committee on Banking and Insurance met with a quorum and took up several bills, beginning with SB 834 on insurance requirements for nonprofit religious organizations and health care sharing ministries. The bill repeals a recent restriction on licensed insurance agents marketing or selling faith-based health care sharing programs. Supporters argued the change restores free speech and consumer education while preserving existing fraud and disclosure protections; opponents said allowing agents and brokers could create consumer confusion and has been associated with bad actors. A title amendment was adopted, and after debate the committee reported the bill favorably. The committee also heard and passed SB 642, which extends reporting and duty requirements to foreign and alien bail bond insurers, and SB 394, a technical bill updating reinsurance intermediary manager law to match current DFS practice. SB 266, which lets vulnerable adults rescind public adjuster contracts without penalty, was reported favorably after testimony from supporters in the insurance and elder law communities and a public adjuster who said the intent was good but the bill may need refinement. SB 832, a residential property insurance transparency bill requiring rate breakdown reports and a consumer resource center, also passed after discussion about consumer clarity and whether the required cost categories can be compiled as written. Later, the committee approved SB 540, which creates cybersecurity requirements for mortgage and money service businesses, closes a regulatory gap for certain investment advisers, adjusts OFR examination-payment deadlines, changes de novo charter requirements, allows virtual credit union meetings, and makes other financial regulation updates. Several amendments were adopted, including a substitute amendment removing fintech sandbox provisions. Finally, SB 1028 on Citizens Property Insurance Corporation was reported favorably after debate over a commercial lines clearinghouse intended to reduce Citizens’ exposure and shift more business to the private market; members discussed taxpayer risk, market competition, and consumer protections. The meeting ended with adjournment.

Bills: HB1318

Keywords: HB 1318, pesticide labeling, pesticide warning, duty to warn, failure to warn, labeling defense, EPA-approved label, Federal Insecticide Fungicide and Rodenticide Act, FIFRA, North Dakota agriculture commissioner, product liability, tort reform, preemption, carcinogenicity classification, human health assessment, pesticide regulation, agricultural chemicals, herbicide, insecticide, rodenticide

Summary: The Agriculture and Veterans Affairs Committee met on April 10 and took up House Bill 1318, a bill dealing with pesticide-related liability and warning-label issues. The chair explained that the bill had drawn strong interest from both agriculture and public health sides, and that the committee was trying to craft language that would protect consumers without unduly harming agricultural production. He said the committee had worked through multiple draft amendments and was now considering Amendment 1006, which was described as a compromise combining earlier proposals and narrowing the bill’s scope to pesticides registered with the state commissioner. Members discussed whether the amendment would weaken the original intent of the bill. Senator Myrdal said the revised language added needed guardrails and addressed concerns about overly broad preemption language and warning-label standards, while also preserving agriculture’s ability to operate. After a motion to rescind the earlier action on the bill passed, Amendment 1006 was adopted unanimously by the members present. A motion to move the bill without committee recommendation failed for lack of a second. The committee then voted on House Bill 1318 as amended. The do-pass motion passed on a roll call vote, with Senators Weber, Luick, Myrdal, and Lemm voting yes, and Senators Marcellais and Weston voting no. The chair said he would carry the bill. The meeting ended with members thanking the chair and staff for their work during the session, and the chair noted he might call the committee back if a conference committee report required further input.

Transcript Highlights:

• We could also look at insurance premium tax being higher because, unfortunately, people have to pay more
• Chairman, I'm sorry to interrupt, but we're speaking of the income tax here, not insurance premium taxes
• The first bill, HB 2089, relates to our health insurance premium benefit.
• It is simply clarifying that the health insurance premium benefit is meant to provide a subsidy to...
• ...that the health insurance premium benefit is meant to provide a subsidy to a retiree who is on coverage

Bills: HB2011, HB2089, HB2090, HB2092, HB2477, HB2785

Keywords: individual income tax, subtraction, Arizona Revised Statutes, retirement benefits, adoption costs, charitable contributions, health insurance, premium payment, Arizona State Retirement System, contingent annuitant, long-term disability, benefits limitations, disability compensation, social security, retirement system, elected officials, ASRS, eligibility waiver, age 65, education savings

Summary: The committee first heard House Bill 2785, a tax conformity measure that would update Arizona statutes to conform to the Internal Revenue Code as of January 1, 2026, including retroactive provisions for tax year 2025. The sponsor and supporters said the bill would align state law with tax forms already issued by the Department of Revenue, provide certainty to filers, and deliver about $440 million in tax relief through provisions such as no tax on tips and overtime, a larger standard deduction, and a $6,000 senior deduction. Opponents argued the bill would significantly reduce state revenue, disproportionately benefit higher-income taxpayers, and should be considered alongside a broader budget plan. After debate and an amendment addressing retroactivity and foreign dividends, the committee approved HB 2785 on a 5-4 vote. The committee then took up several Arizona State Retirement System and education savings bills. HB 2089 clarified the health insurance premium benefit subsidy for retirees and passed unanimously. HB 2090 changed the disability determination period for long-term disability benefits from 24 months within a five-year period to a straight 24-month period and passed 8-1. HB 2092 allowed employees over age 65 to waive ARS participation within 30 days of becoming eligible and also passed 8-1. HB 2477 conformed Arizona’s 529 education savings plan to federal law, including expanded uses and a permanent rollover to ABLE accounts and Roth IRAs; testimony supported the cleanup and simplification, but some members raised concerns about the Roth rollover and possible use of transferred ESA funds. HB 2477 passed 5-3 with one present vote, and the committee then adjourned.

Bills: SB 1468, SB 1612, SB 1789, SB 2530, SB 2571, SB 2717, SB 2967

Keywords: utility systems, Texas A&M, regents authority, construction, improvement, construction contracts, trust funds, property rights, mechanics lien, contractors, trustee liability, mechanic's lien, liability, attorney's fees, windstorm insurance, Texas Windstorm Insurance Association, insurance regulation, administrative penalties, coastal counties, catastrophe year

Bills: SB 1468, SB 1612, SB 1789, SB 2530, SB 2571, SB 2717, SB 2967

Keywords: utility systems, Texas A&M, regents authority, construction, improvement, construction contracts, trust funds, property rights, mechanics lien, contractors, trustee liability, mechanic's lien, liability, attorney's fees, windstorm insurance, Texas Windstorm Insurance Association, insurance regulation, administrative penalties, coastal counties, catastrophe year

Transcript Highlights:

• Since health plans use premiums to pay for that care, they then make a calculation as to how much premium
• calculation as this is how much premium calculation as this is how much premium that<00:46:35.079
• have within a policy the more premium have within a policy the more premium you<00:46:42.720>
• <01:06:53.720> have at which health insurance premiums have at which health insurance premiums
• reviewing and and um approving premiums reviewing and and um approving premiums and<01:11:39.880

Bills: HF747, HF1014, HF320, HF400

Keywords: corporate governance, shareholder rights, beneficial ownership, defective corporate acts, Minnesota Business Corporation Act, Minnesota Insurance Guaranty Association, MIGA, insurance guaranty fund, insurer insolvency, covered claim, net worth threshold, high-net-worth insured, financial information request, insurance claims, self-insured retention, deductible, commercial insurance, insurance regulation, Minnesota Statutes 60C.09, guaranty association

Transcript Highlights:

• ... guidelines already in use by both major utilities and rural electric co-ops and create a classification

Bills: SB1468, SB1612, SB1789, SB2530, SB2571, SB2717, SB2967

Keywords: utility systems, Texas A&M, regents authority, construction, improvement, construction contracts, trust funds, property rights, mechanics lien, contractors, trustee liability, mechanic's lien, liability, attorney's fees, windstorm insurance, Texas Windstorm Insurance Association, insurance regulation, administrative penalties, coastal counties, catastrophe year

Transcript Highlights:

• Encountering right now with TWIA is the reinsurance cost has gone from about 20 percent of people's premiums
• Senate Bill 2530 does a number of additional reforms that exempts... from the insurance premium maintenance
• Ratepayers have had to pay $1.8 billion in premiums for reinsurance and have never drawn on it.

Bills: SB1468, SB1612, SB1789, SB2530, SB2571, SB2717, SB2967

Keywords: utility systems, Texas A&M, regents authority, construction, improvement, construction contracts, trust funds, property rights, mechanics lien, contractors, trustee liability, mechanic's lien, liability, attorney's fees, windstorm insurance, Texas Windstorm Insurance Association, insurance regulation, administrative penalties, coastal counties, catastrophe year

Transcript Highlights:

• supported us last year through an appropriation to hire a contractor to help us review our entire classification
• state departments, agencies, and labor organizations, including the comprehensive review of the classification

Bills: HCR92, HCR46, HCR172, HCR147, HCR112, HCR100, HR84, HR42, HR139, HR104, HR92

Keywords: automated external defibrillator, AED, cardiac arrest, state buildings, health education, public health, lifeguards, first responders, public safety, ocean safety, emergency response, Hawaii, workers' compensation, auditor, procurement audit, compliance, Department of Human Resources Development, transparency, accountability, medical care

Transcript Highlights:

• than premiums for widowed men.
• pay lower premiums.
• I've seen that firsthand, and it has made a difference on... ...on the premiums.
• The health plan is allowed to waive the employer's portion of the premium.
• And it's like, what do you think this should do to the cost of the premiums?

Bills: HB712, HB722, HB946, HB1687, HB1809, HB1899, HB2528, HB2583, HB2741, HB2750, HB3021, HB3150, HB3265, HB3658, HB3812, HB3960, HB4392, HB4432

Keywords: prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury

Transcript Highlights:

• Better, and yet the premium never reflects that over time.
• The data shows that single individuals, including widows, are often assessed higher premiums.
• These various factors can significantly influence the overall insurance premiums, and it's essential
• It underscores the importance of evaluating all relevant factors affecting insurance premiums rather
• Shortly after, her homeowner's insurance premium jumped from $185.60 to $283.75.

Bills: HB712, HB722, HB946, HB1687, HB1809, HB1899, HB2528, HB2583, HB2741, HB2750, HB3021, HB3150, HB3265, HB3658, HB3812, HB3960, HB4392, HB4432

Keywords: prostate cancer, health benefit plans, insurance coverage, cost sharing, preventive health care, auto insurance, total loss evaluation, disclosure, insurance materials, vehicle appraisal, HB 946, Texas Insurance Code, automobile insurance claims, oral release, written release, settlement agreement, claim release, property damage, bodily injury, psychological injury

Transcript Highlights:

• So that way, you're only comparing the premium tax. ...right across the two states.
• That's the trade-off regarding premiums—the trade-off between writing between states.
• Texas's premium tax right now is 1.6 percent.
• From what I understand, that could be reflected in the premiums.
• And we write premium in approximately 40 states, so nearly 80% of states.

Bills: SB458, SB819, SB1238, SB1642, SB1643, SB1644, SB1791, SB1810, SB1824, SB1825, SB758, SB1455, SB1706

Keywords: insurance appraisal, property insurance, auto insurance, homeowners insurance, residential property, disputed loss, loss valuation, appraisal clause, appraiser, umpire, Texas Department of Insurance, TDI, insurance dispute resolution, claims adjustment, total loss, windstorm insurance, FAIR Plan, surplus lines insurance, policyholder, insurer

Transcript Highlights:

• And so that helps actuaries remain, I think, with premiums.
• Premiums in their state increased, but not because of the birthday rule.
• This is what stabilizes the premiums and the risk pool.
• So anytime we see changes that have The prospect of increasing premiums, it's of concern for the premium
• The third is the role of state-imposed premium taxes, fees, and assessments.

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

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

Transcript Highlights:

• 00:08:08.039> have last 12 to 24 months premiums have last 12 to 24 months premiums have consistently
• <00:10:19.839> steeply yet no surprise our premiums steeply yet no surprise our premiums steeply
• <00:10:44.360> increases coverage reduction and premium increases coverage reduction and premium
• If patients are paying premiums...
• <01:31:00.960> down brings brings premiums down brings brings premiums down significantly<

Bills: HF2228, HF46, HF856, HF2149, HF2215

Keywords: homeowners insurance, property insurance, commercial property insurance, insurance affordability, insurance market stabilization, reinsurance, catastrophic reinsurance fund, self-insured pool, premium costs, coverage notice, liability reform, climate risk, climate change, housing affordability, multifamily housing, rental housing, common interest communities, cooperatives, small business insurance, Minnesota Commerce Department

Bills: SB19, HB40, HB27, HB40, HB27, HB40, HB27

Keywords: contraceptive rights, healthcare access, civil action, Attorney General, contraception enforcement, prostate cancer, health insurance, screening, high risk, cost-sharing, African American men, savings accounts, catastrophe, emergency funds, financial security, state laws, criminal justice, parole, Board of Pardons and Paroles, risk assessment

Bills: HB3940, HB3078, HB3043

Keywords: Oklahoma National Guard, compensation, education assistance, career technology, military benefits, veterans, donations, Oklahoma Department of Veterans Affairs, state agency, executive branch, HB3043, ODVA, seasonal employees, project labor, pro rata jobs, unclassified service, state personnel law, state employee benefits, paid leave, paid holidays

Keywords: KY LRC YouTube, https://www.youtube.com/watch?v=mf69C5xdI1Y, 2026-06-21T07:17:04+00:00, 2.2.24, Data collected via generic collector engine, Meeting start 00:00:00 Roll call 00:01:09 Military Affairs’ 2022-2023 Non-Governmental Expenditures Update 00:04:48 Broadband Deployment Fund Implementation Update 00:39:23 Personnel Cabinet Compensation and Classification Study Update 01:04:34, 958, all, 2.2.42, 2.1.47

Transcript Highlights:

• It just says, look, if you win your appeal, you're going to be free of a new classification for three
• This particular portion is just related to classifications, and he is correct.
• This particular portion is just related to classifications, and he is correct.
• This is purely about classifications of the property, which then, yes...
• This is purely about classifications of the property, which then, yes, change the value.

Bills: HB2016, HB2104, HB2105, HB2174, HB2256, HB2289, HB2477, HB2903, HB2939, HB2979, HB2996, HB4103

Keywords: tax penalties, filing, tax returns, administration, Arizona Revised Statutes, agricultural property, classification, county assessor, property inspection, appeal process, property tax, agricultural classification, Department of Revenue, property valuation, inspection notice, inspection report, on-site inspection, full cash value, rural land, farm land

Summary: The committee first approved the March 9, 2026 minutes and held House Bills 29 and 2939 at the sponsor’s request. It then took up House Bill 2016, which would eliminate the late-filing penalty for taxpayers with zero income tax liability; after discussion about whether taxpayers still need to file to establish that they owe nothing, the committee adopted an amendment narrowing the bill to income tax filers and passed the bill 4-3. The Department of Revenue said it was neutral on the bill but supported the amendment. The committee next heard House Bill 2289, which updates the property-value examples used in bond/override election pamphlets and truth-in-taxation notices from older low values to $300,000. Supporters said the figures are outdated and should better reflect current home values; opponents questioned whether $300,000 was the best benchmark and whether adding another example would confuse voters. The bill passed 4-3. The committee also approved House Bill 4103, which bars school districts from calling bond elections if enrollment is below 50% of capacity. Supporters argued districts should use or monetize excess space before asking taxpayers for more debt, while school administrators and others said the measure would block needed maintenance, safety upgrades, and local decision-making. It passed 4-3. Two related agricultural property bills, House Bills 2104 and 2105, were both amended and passed 4-3. HB 2104 creates a four-year period after a successful agricultural property tax appeal during which assessors generally may not reclassify or reinspect the property absent changes in use, ownership, splits, or improvements. HB 2105 requires advance notice of inspections and inspection reports and provides a three-year inspection exemption after the most recent inspection, with similar exceptions. Farm and ranch groups said the bills provide fairness and certainty after successful appeals; county assessors opposed them as limiting oversight and creating unequal treatment. The committee also passed House Bill 2256 unanimously, which sets notice and title procedures for salvage auction dealers when insurance claims are denied or unpaid, and House Bill 2979 unanimously, which updates credit union regulatory timelines and procedures. Later, the committee passed House Bill 2996 unanimously, clarifying that certificates of insurance are informational only and cannot expand coverage or rights, with penalties for misrepresentations. It also heard House Bill 2174, which renames and updates regulation of insurance modeling and data organizations, requires model filings, and revises related reinsurance provisions; the discussion focused on how DIFI would regulate models versus the companies that create them, but no vote was taken in the portion provided. Finally, House Bill 2477 was introduced to conform Arizona’s 529 plan to federal law by increasing the K-12 withdrawal limit to $20,000, adding post-secondary credentialing expenses, and allowing rollovers to ABLE accounts and Roth IRAs if requirements are met; the sponsor and Treasurer’s Office supported it as a cleanup/conformity measure, and discussion began on how the new rollover options would work.

Transcript Highlights:

• workers classification. workers classification.
• In year two, the IRS conducts a<01:30:38.720> worker<01:30:39.040> classification<01:30
• :39.720> audit<01:30:39.920> and<01:30:40.040> finds a worker classification audit
• and finds a worker classification audit and finds no<01:30:40.440> issues.
• a lack of income tax collection, unemployment insurance contributions, and workers' compensation premiums

Bills: HF4234, HF3697, HF1183, HF4738

Keywords: HF4234, Minnesota private activity bonds, tax-exempt bonds, bond cap, aggregate bond limitation, residential rental projects, multifamily housing, affordable housing finance, housing bonds, public finance, bond allocation, private activity bond cap, Minnesota Statutes 474A.02, tax committee, tax refund, Minnesota Statutes, time limit, claims, tax overpayment, taxation

Summary: The committee first adopted the April 14, 2026 minutes as amended, correcting a misspelling in the reference to Chair Davids. It then heard House File 4234, a tax-exempt bonding/affordable housing bill from Representative Rey Rower, and adopted a technical A1 amendment before laying the bill over for possible inclusion in the 2026 tax bill. The bill would conform Minnesota law to recent federal changes to low-income housing tax credit rules by lowering the amount of tax-exempt bonds needed for projects to qualify, with the stated goal of spreading bond allocations across more projects and increasing affordable housing production without additional state funds. Testimony in support came from the bill author, the Greater Minnesota Housing Fund, and Mary Tingerthal, who said the change would increase efficiency in the use of federal bond authority and could raise the number of funded housing projects from about 16 to 25 per year, bringing in roughly $120 million more annually for housing. Members discussed where the benefits would be felt statewide, including greater Minnesota and larger metro areas, and the author said the bill would help address shortages in affordable and senior housing. The committee took no final vote on the bill, instead laying it over. The committee next heard House File 3697 from Vice Chair Norris, which would change Minnesota’s tax refund claim timelines to better align with federal law and most other states. The author and a tax attorney testifier said the bill would reduce confusion and help taxpayers, especially vulnerable individuals who may overpay or be overassessed and then miss the current deadline to seek refunds. The Department of Revenue said it had no concerns with the language and did not oppose the bill, and the committee laid the bill over for possible inclusion in the 2026 tax bill. Finally, the committee began hearing House File 4738 from Representative Keeler, a Safe Harbor funding proposal for victims of sex trafficking and sexually exploited youth. The author described Safe Harbor as a statewide program serving youth across Minnesota and said the committee should consider creative funding options, but Chair Davids stated the proposed funding source would not work because it would take money from women’s sports scholarships. Testifiers from Lake House in Duluth and a former Safe Harbor youth described the program’s impact on homeless and trafficked youth, including shelter, mental health services, education, and transition to adulthood. The hearing continued with testimony, but no action was taken in the portion provided.

Transcript Highlights:

• Currently, the Texas Windstorm Insurance Association policyholders can pay their premiums using premiums
• . premium financing company.
• It's a premium financing option, and we have many, many that do use the...
• I think, again, this money can go back into paying claims and/or reduction of premiums.
• Premiums have increased 25% just since 2019.

Bills: HB778, HB 1266, HB1576, HB2213, HB2517, HB2518, HB2841, HB3306, HB3320, HB3388, HB3508, HB3520, HB3689

Keywords: credentialing, healthcare, physician assistants, advanced practice nurses, managed care, hurricane, windstorm, loss mitigation, grants, insurance discounts, property retrofitting, insurance, Texas Windstorm Insurance Association, board composition, coastal counties, property insurance, taxation, Texas FAIR Plan Association, premium taxes, maintenance taxes