Video & Transcript Research : 'premium structure'
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HI
Transcript Highlights:
- because it's unique to that structure. because it's unique to that structure.
- <00:30:41.120>
But they're not structured the same way. - But they're not structured the same way.
- exits, and potentially raising premiums exits, and potentially raising premiums for<00:36:58.400
- <00:38:04.480>
Refund increased premium rates. Refund increased premium rates.
Keywords:
outdoor advertising, billboards, public safety, penalties, community pollution, elections, campaign finance, business entities, political activity, regulation, liability, non-natural persons, insurance, captives, examination, regulations, policyholders, dormant captive, tax exemption, Hawaii revised statutes
Summary:
The Senate Commerce and Consumer Protection Committee opened its first hearing of the year with remarks from Chair Jared Kohole outlining hearing procedures, a two-minute testimony limit, rules for remote testimony and decorum, and a revised testimony-publication pilot that keeps 96-hour notice but returns to a standard 24-hour testimony deadline. He then moved through the agenda, beginning with SB 2004 on outdoor advertising, which would increase penalties for violations of billboard and outdoor advertising laws. Testimony on that measure was limited; Henry Curtis of Life of the Land was first up, and written support was noted from Hawaiian Electric and the Outdoor Circle.
The committee then heard SB 2039 on election campaign finance, which would prohibit certain business entities from engaging in campaign finance activities. The Attorney General’s office offered comments and did not take a formal position at the hearing. Several proponents testified in support, including Josh Frost, Tom Moore of the Center for American Progress, Hapa/Hawaii Alliance for Progressive Action, and Common Cause Hawaiʻi, all arguing the bill would curb corporate and dark-money influence and return elections to the people. Moore distinguished between regulating corporate “rights” and limiting corporate “powers,” and said the state can redefine the powers it grants corporations. In questions, Senator McKelvey asked whether the bill could be expanded to include unions; the Attorney General said he would need to get back with legal analysis, while Moore said his preferred approach would include all entities and that leaving out nonprofits or unions would create problems. Members also discussed whether the bill would affect PACs, and Moore explained that the proposal would prohibit corporate and dark-money flows into PACs while leaving individual political giving and existing political committees in place. The committee then moved on to the next measure.
SB 2042, relating to insurance, was heard next. The bill would reduce the unimpaired minimum capital and surplus required of class 4 sponsored captive insurance companies under certain circumstances. The DCCA Insurance Division said it stood on its written testimony, and the Hawaii Captive Insurance Council testified in support, describing the change as a narrow, risk-based adjustment that would not affect the commissioner’s authority where actual risk resides and would help keep Hawaii competitive. The committee noted additional written support and proceeded without a vote or final action in the portion of the hearing provided.
MN
Transcript Highlights:
- Chair, if I may, I want to make sure, with the delay in this, there's no premiums that would be paid
Bills:
HF11
Keywords:
Minnesota Paid Leave, paid family and medical leave, family leave, medical leave, implementation delay, premium collection, employer premiums, state payroll tax, workforce, labor, benefits administration, DEED, Department of Employment and Economic Development, employer notice, seasonal employees, private plans, actuarial study, outreach and education, employee rights, reinstatement
MN
Bills:
HF11
Keywords:
Minnesota Paid Leave, paid family and medical leave, family leave, medical leave, implementation delay, premium collection, employer premiums, state payroll tax, workforce, labor, benefits administration, DEED, Department of Employment and Economic Development, employer notice, seasonal employees, private plans, actuarial study, outreach and education, employee rights, reinstatement
FL
Transcript Highlights:
- It's not a regulatory structure for them. It's a safe harbor from that regulation.
- There is actually a regulatory structure for those folks.
- There is actually a regulatory structure for those folks.
- There is actually a regulatory structure for those folks.
- It's not structured like a health savings account.
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.
AZ
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
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.
TX
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
TX
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
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 2/20/25
Commerce Finance and Policy
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
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
LA
Keywords:
court proceedings, transcription, criminal law, recording, judicial discretion, court reporters, record retention, criminal cases, civil cases, legal proceedings, judicial administration, Louisiana Supreme Court, court reporting services, digital reporting, remote proceedings, virtual courts, court reporter fees, judicial district, statewide revision, costs
KY
Kentucky 2026 Regular Session
Joint Meeting of House and Senate Committees on Health Services (1-12-23)
Keywords:
KY LRC YouTube, https://www.youtube.com/watch?v=qnBH-9G46wI, 2026-06-21T07:17:02+00:00, 2.2.24, Data collected via generic collector engine, Meeting Start: 00:00:00
Roll Call: 00:00:42
Consideration of Referred Administrative Regulations: 00:10:20
Overview of the Organization and Structure of the Cabinet for Health and Family Services: 00:14:01
Update and Overview of the Kentucky Medicaid Program: 01:08:19, 958, all, 2.2.42, 2.1.47
TX
Texas 89th Regular
Senate Committee on Business and Commerce (Part I) Apr 8th, 2025
Business & Commerce
Transcript Highlights:
- Right down on 71 by the Austin Airport, they unveiled the first test structure fabricated right here
- Right down on 71 by the Austin Airport, they unveiled the first test structure fabricated right here
- wasn't quite worth it the way I needed it to, but this bill has to do with poll standards. and structural
- standards and corrections of utility poles as part of a broader conversation on strengthening the structural
- The devastating Panhandle wildfire and last year's hurricane in Houston highlighted structural vulnerabilities
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
TX
Texas 89th Regular
Senate Committee on Business and Commerce (Part II) Apr 8th, 2025
Business & Commerce
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.
- Since Hurricane Ike, that's what's causing a lot of these problems in their funding structure.
- This is a bill that changes TWIA's funding structure to a... a dynamic funding structure, and it is not
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
TX
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
TX
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
TX
Texas 89th Regular
Senate Committee on Business and Commerce (Part II) Mar 27th, 2025
Business & Commerce
Transcript Highlights:
- So that way, you're only comparing the premium tax. ...right across the two 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.
- It's a big structure, a big setback.
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
NM
New Mexico 2026 Regular Session
House - Health and Human Services Feb 16th, 2026 at 09:04 am
House Health & Human Services
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.
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
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/26/25
Commerce Finance and Policy
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 - If patients are paying premiums...
- <01:31:00.960>
down brings brings premiums down brings brings premiums down significantly< - because they face real structural because they face real structural barriers<01:37:18.480>
to
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
MN
Transcript Highlights:
- Dairy farmers have to pay a premium and enroll to participate in DMC.
- Dairy farmers have to pay a premium and enroll to participate in DMC.
- Dairy farmers have to pay a premium and enroll to participate in DMC.
- <00:09:04.240>
and Dairy farmers have to pay a premium and Dairy farmers have to pay a premium - Dairy farmers have to pay a premium and enroll to participate in DMC.
Keywords:
underground storage tanks, petroleum, reimbursement program, environmental regulation, pollution control, dairy assistance, investment relief, agriculture support, food production, economic relief, barbering, licensing, examinations, barber schools, public safety, certifications, Barber Examiners Board, dentistry, licensure, registration
AL
Alabama 2025 Regular Session
Alabama House Commerce and Small Business Committee Apr 23rd, 2025
Commerce and Small Business
Transcript Highlights:
- Greg Robinson: I've been practicing structural engineering for over 40 years.
- That requires a little design from your structural engineer.
- I'm also a licensed structural engineer in multiple states.
- I'm specifically a structural engineer and also a member of the board for the Structural Engineers Association
- You know the insurance premiums, etc. A fortified roof is less.
Keywords:
internet filtering, child protection, obscene content, civil liability, manufacturers, real estate, licensing, brokerage agreements, team structure, penalties, consumer protection, residential construction, architect approval, building regulations, engineering, single family homes, invisible disability, distinctive license plate, specialty plate, motor vehicle registration
AL
Transcript Highlights:
- The bill will also institute a licensing structure in Alabama for mixed spirit beverages, as well as
Keywords:
mixed spirit beverages, alcohol regulation, licensing, excise tax, distribution agreements, retail sales, wholesalers, SB262, White Hall, Lowndes County, pari-mutuel wagering, simulcast, historical racing, historical horse racing, dog racing, horse racing, charitable bingo, off-track betting, OTB, gambling