Transcript Highlights:

• And you could expect costs for insurance to skyrocket after a windstorm.
• Families who can't afford the upfront costs.
• front on a A replacement cost policy is the actual cash value of the repair, so there is money there
• Replacement cost is paid when the replacement is actually made.
• If you paid more for replacement cost coverage, you should get the money up front so those repairs can

Bills: HB854, HB 1052, HB1642, HB2076, HB3042, HB3695, HB3787, HB4062, HB4092, SB213, SB493, SB896, HB5519, HB4635

Keywords: insurance, replacement cost, homeowner's policy, renter's policy, condominium insurance, property damage, claims process, telemedicine, teledentistry, telehealth, health benefit plan, insurance coverage, out-of-state services, anxiety, pain management, contraceptive devices, women's health, medical procedures, healthcare, laboratory

Transcript Highlights:

• Yes, I actually was called in as a replacement later this evening.

Bills: HB854, HB 1052, HB1642, HB2076, HB3042, HB3695, HB3787, HB4062, HB4092, SB213, SB493, SB896, HB5519, HB4635

Keywords: insurance, replacement cost, homeowner's policy, renter's policy, condominium insurance, property damage, claims process, telemedicine, teledentistry, telehealth, health benefit plan, insurance coverage, out-of-state services, anxiety, pain management, contraceptive devices, women's health, medical procedures, healthcare, laboratory

Transcript Highlights:

• that was at least half of what the cost would be here in our own state.
• First, by consolidating payments, the program aims to lower administrative costs and reduce overall costs
• There are no other costs added to it.
• This comes out to $14,750 per person for medical costs.
• And no one really knows what the cost is going to be when you go in.

Bills: HCR141, SB438, SB1495, SB1964, HB 1225

Keywords: HCR 141, House Concurrent Resolution, NASA, Houston, Space City, Johnson Space Center, Mission Control, Apollo 11, moon landing, aerospace, commercial space, space exploration, Texas Space Commission, space policy, federal resolution, memorial resolution, Congress, Washington D.C., headquarters relocation, space industry

Transcript Highlights:

• And if you look at our testimony, you can see just the costs that are related to generation.
• <00:01:42.600> that<00:01:42.760> are can see the just the costs that are can see the
• just the costs that are related<00:01:43.280> to<00:01:43.400> generation.
• <00:02:03.080> uh<00:02:03.240> generation most uh cost-effective uh generation most
• And then thirdly, the bill doesn't clearly define operational oversight, maintenance, and cost.

Bills: HCR202

Keywords: Hawaii, renewable energy, task force, energy independence, cost savings, decarbonization, public utilities, stakeholders, clean energy goals, 912, senate, all

Summary: The joint committees on Energy and Intergovernmental Affairs and Consumer Commerce and Consumer Protection heard HCR 202 HD2, a resolution creating a task force to study Hawaii’s electric generation mix and related costs. Testimony from the Hawaii State Energy Office was neutral and stood on written comments, while another testifier supported the resolution, emphasizing affordability, reliability, and the need to understand the right balance of thermal generation and renewables as the state moves toward its 2045 renewable goals. The chairs said they had conferred on the measure and outlined recommended amendments, including adding study of the separation of ownership and control of generation versus transmission and distribution, and adding Senate committee representation to the task force. The Consumer Commerce and Consumer Protection committee voted to pass HCR 202 HD2 with amendments; the chair, vice chair, and another member voted aye, with one senator excused, and the recommendation was adopted. The Energy and Intergovernmental Affairs committee did not have quorum at that time and said it would take its vote later. The Energy and Intergovernmental Affairs committee also heard HCR 165, concerning pickleball courts in Hawaii Kai. One resident testified in opposition, citing concerns about permanent lights, permanent nets, noise, light pollution, safety, maintenance, and the loss of multi-use flexibility. After discussion, the chair recommended passing the measure as is, and the committee said it would vote the next day because it lacked quorum. The committee also heard HCR 154 and HCR 43 with the Transportation Committee; HCR 154 was passed unamended, and HCR 43, which urged raised crosswalks near Ala Wai Elementary School for pedestrian safety, was also passed unamended. Supporters of HCR 43 described heavy pedestrian traffic, schoolchildren crossing, and unsafe vehicle turning patterns at the intersections. The Transportation Committee adopted both recommendations, while the Energy and Intergovernmental Affairs committee scheduled its votes for the following day.

Bills: HB1800, HB2095

Keywords: supplemental appropriations, state budget, Hawaii budget, biennial budget, capital improvement projects, CIP, general fund, special fund, green fee, special land and development fund, clean energy revolving loan fund, agricultural development revolving fund, community grants, nonprofit grants, Office of Community Services, housing, affordable housing, homelessness, health care, mental health

Transcript Highlights:

• I think the other important part of this bill is it codifies that we use the cost of care, a cost estimation
• that owns a business and employs hundreds Of people that he contributes his fair share towards the cost
• Of state entities opening child care centers and the cost of their employees' benefits, retirements,
• of. 16 at our lower at the Two-star level or 19 at the higher for their entry level, but there is a cost
• , and the high cost of child care.

Bills: SB132, SB241

Keywords: SB132, DOIT, Department of Information Technology, software replacement, equipment replacement, technology funding, revolving fund, capital equipment, enterprise services, state IT budgeting, software budgeting, amortization, depreciation, State Treasurer, Department of Finance and Administration, New Mexico, information technology, IT infrastructure, fund accounting, legislative appropriation

Transcript Highlights:

• <00:32:10.720> For could add to customer costs. For could add to customer costs.
• There's a lot of costs to that.
• Uh, not the entire replacement, but I think replacing half the capacity at ya.
• think replacing half the capacity at ya. think replacing half the capacity at ya.
• cost the rate $1.4 billion. Correct. cost the rate $1.4 billion. Correct.

Bills: SB3326, SB2911

Keywords: renewable energy, energy storage, cost reduction, public utilities commission, Hawaii energy policies, intoxicating liquor, direct shipment, breweries, distilleries, Hawaii, 912, senate, all

Summary: The committees heard SB 3001 on artificial intelligence in a joint Commerce and Consumer Protection/Labor and Technology hearing. Testimony included support from the Department of Education and Google, comments from the Office of Consumer Protection and the Attorney General’s office, and late opposition from Agentic LLC. The Attorney General raised constitutional and vagueness concerns and suggested clarifying amendments, while Google said the bill’s risk-based approach and proposed amendments could help establish industry-wide safety standards for minors. The committees recessed and then voted to pass SB 3001 with amendments, adopting DCCA/OCP recommendations on data minimization for minors and UDAP clarity, the Attorney General’s proposed clarifications and deletions, and Google’s nonconflicting amendments; the effective date was deferred to July 1, 2050. The vote passed unanimously among members present, with some members excused. The Commerce and Consumer Protection committee then took up several previously heard measures in decision-making. SB 2045 on combat sports passed with amendments reflecting DCCA and boxing commission recommendations, including clarifying the on-site medical professional requirement, reporting duties, promoter payment, removal of the combat sports registry and ambulance requirement, and other technical changes; the effective date was deferred to July 1, 2050. SP 2347 on the residential landlord-tenant code passed with amendments striking landlord requirements so OCP could work on a multilingual tenant-rights notice, and SP 2495 on consumer protection passed with amendments requiring OCP to publish an annual report on potential code violations. SB 2777 on insurance was deferred to February 17, 2026 for further decision-making. At a later CPN decision-making agenda, SB 2471 and SB 2829, both relating to the powers of artificial persons, passed with amendments clarifying the preamble, removing language about foreign artificial persons, and making other consistency and non-substantive changes; both effective dates were moved to January 1, 2027. SP 2033 on renewable energy also passed with amendments clarifying the definition of grid-ready homes, cost-sharing provisions, applicability to interconnecting customers, and safety/certification compliance, with the effective date deferred to July 1, 2050. In each case, the committee voted to adopt the recommendations without objections from members present. The committees also heard SB 3000 on insurance, which would authorize the Attorney General to bring civil actions to recover costs and losses tied to climate-attributable harm and future climate risk, including costs incurred by state insurance-related entities. The Insurance Division and Attorney General’s office offered comments seeking clarification and warning about redundancy, implementation issues, possible representation of private insurers, and concurrent litigation concerns. Supporters, including the Center for Climate Integrity, a resident testifier, Sierra Club, and Green America, argued the bill would help shift insurance costs to fossil fuel companies responsible for climate harms and address rising premiums and nonrenewals in Hawaii. Opponents, including the American Petroleum Institute, argued the bill singled out one industry, raised constitutional concerns, and should be deferred because related climate litigation is already pending. The transcript ends with the committee continuing testimony and discussion on SB 3000 and then moving into SB 3326 on energy, where the consumer advocate and Hawaiian Electric opposed the bill’s proposed separation of generation from transmission and distribution, while the PUC stood on written testimony, Retail Merchants of Hawaii supported it, and Life of the Land raised concerns about assumptions and the need for more substance.

Bills: HB308, HB308

Keywords: elections, voter registration, publishing requirements, cost-saving, transparency, property tax exemption, senior citizens, Mobile County, tax legislation, constitutional amendment, 923, senate, all

Transcript Highlights:

• So, I understand firsthand the cost barriers that this bill addresses.
• But the cost remains a major barrier for me and many of my neighbors in South Kona.
• :04:37.800> barriers understand firsthand the cost barriers understand firsthand the cost barriers
• But the cost remains a major reefs.
• <00:19:45.000> the testimony and then we'll replace the testimony and then we'll replace the

Bills: HB1618

Keywords: cesspool conversion, cesspool replacement, wastewater, sewer connection, sewerage systems, septic system, pollution control, water pollution control revolving fund, Hawaii Green Infrastructure Authority, HGIA, low-interest loans, forgivable loans, homeowner financing, environmental infrastructure, public health, wastewater treatment, low- and moderate-income households, revolving loan fund, Department of Health, memorandum of agreement

Summary: The committees held a joint hearing on HB 1618 HD1, which would create and fund a cesspool conversion revolving loan fund administered by the Hawaii Green Infrastructure Authority to help homeowners upgrade, convert, or connect cesspools. Testimony was overwhelmingly in support from state agencies and advocacy groups, with witnesses emphasizing that cost is the main barrier to cesspool conversion and that recent Kona flooding underscored the public health and pollution risks of cesspools. One testifier suggested the fund should actively pursue outside funding sources, and another urged an effective date that would allow counties to contribute sooner. A member raised concerns about whether loans would be affordable and whether other financing tools, such as tax credits, should also be considered; another member opposed the bill as not adequately addressing district-level sewer and septic issues. The committees ultimately recommended passage with amendments, including changing the effective date to July 1, 2050, and the motion was adopted. The joint Judiciary and Ways and Means committees then considered HB 2592 on the Mauna Kea Stewardship and Oversight Authority. The chair outlined amendments to clarify that the authority would assume property and liability associated with transferred assets, preserve existing liability rules, transfer conditional use permits if not already transferred, allow lease extensions before transfer, and set reversion triggers if the authority fails to adopt a management plan by June 30, 2028, or administrative rules by December 31, 2029. Members asked about preserving the public trust and whether the amendments would keep the Board of Land and Natural Resources’ role intact; the chair confirmed the fee and board role would remain unchanged. The committees voted to pass the bill with amendments, and the recommendation was adopted. The committees also took up HB 2033, making further amendments to clarify the definition of state, delay certain effective dates, allow rental and U-Drive lessors to avoid liability by identifying renters, delete one section, and add administrative hearing language and bus-camera clarifications. HB 1888 was amended to expand protections for educational workers to include sports officials, define sports official, make intentional bodily harm a felony with enhanced penalties for repeat offenses, and authorize the attorney general to assist with restraining orders. Both measures were recommended for passage with amendments and adopted. Later, several bills were moved with little or no discussion: HB 1515, HB 1713, HB 1718, HB 2022, and HB 2385 were recommended for passage unamended; HB 2375 was deferred; and HB 1741 was amended to reflect Honolulu’s concerns, narrow study requirements, add exemptions and a delayed implementation date, and was recommended for passage with amendments. The committees adopted the recommendations on these measures, with some members noting reservations or prior opposition on certain bills.

Transcript Highlights:

• We need a cost-of-living increase to survive. Thank you.
• Housing costs have soared, and basic necessities have become harder to afford.
• The last time Texas retirees received a cost-of-living adjustment, a gallon of gas cost $1.60.
• And when these workers leave, it costs all of us.
• The last time Texas retirees received a cost-of-living adjustment, a gallon of gas cost $1.60.

Keywords: Texas state employees, retirees, compensation, House Bill 343, House Bill 247, Senator Sarah Eckhardt, Representative John Busey, cost of living, workforce, legislative session

Summary: The committee meeting focused on critical issues facing Texas state employees and retirees, highlighting the need for increased compensation and improved benefits. Senator Sarah Eckhardt and Representative John Busey presented new legislation aimed at addressing these longstanding problems, including proposed House Bills 343 and 247, which seek a $10,000 across-the-board pay increase for state employees. Senator Eckhardt emphasized the growing wage gap between public sector jobs and private sector offerings, which has led to high turnover rates and the loss of institutional knowledge. Public testimonies underscored the urgency of the issue as retirees shared their struggles with stagnant pensions amidst rising living costs.

Transcript Highlights:

• Again, it's voluntary, no mandate, no state program, and no taxpayer cost.
• Again, it's voluntary, no mandate, no state program, and no taxpayer cost.
• It's about $67,000, so that's purely OGB costs.
• There's no state cost, no defrayal, or other state costs. Thank you, Mr. Chairman.
• At the appropriate time, I'd like to move... ...cost, no defrayal or other state costs.

Bills: HB591, HB766

Keywords: family leave, insurance, paid leave, employment benefits, caregiver support, cancer treatment, anti-cancer medications, health insurance, copayment, cost-sharing, health policy, 974, senate, all

Transcript Highlights:

• Another concern I have is the huge cost.
• The cost to insurance companies will raise all of our rates.
• It's a huge cost, as well as a huge cost to our state Medicaid. Excuse me.
• Policyholders who may never use ART could also see their costs rise.
• I know the cost aspect of this has been a question and a concern.

Bills: AB52, AB76, AB163, AB388, AB483

Keywords: health insurance, claims process, insurance regulation, admin penalties, healthcare access, cannabis, cannabis establishment, medical cannabis, adult-use cannabis, advertising regulations, packaging requirements, unlicensed cannabis activities, state prosecution, confidentiality, Cannabis Compliance Board, disciplinary proceedings, mental health, counseling, interstate practice, telehealth

Transcript Highlights:

• That same year, we completed a street and utility replacement project on our...
• Thank you for your assistance as we work to replace this much-needed public space.
• The total cost will exceed the 25 million dollars cited in the materials.
• Created to replace it.
• So we've been tapped out with our local cost share before.

Bills: HF474, HF218, HF210, HF441, HF691, HF720, HF1068, HF1314, HF1465, HF1860, HF2046, HF1389, HF2404, HF2854, HF2985, HF3128, HF3103, HF778, HF3125

Keywords: HF474, Hubert H. Humphrey, Henry Mower Rice, Statuary Hall, United States Capitol, statue replacement, capital investment, general fund appropriation, Minnesota State Capitol, Minnesota State Historical Society, public art, commemorative statue, National Statuary Hall Collection, commissioner of administration, cultural heritage, monument, Washington D.C., HF218, Minnesota, Department of Public Safety

Transcript Highlights:

• handling the handling the operating cost handling the handling the operating cost while<00:03:04.560
• And tragically, one in housing costs.
• > $16 anticipate costing uh costing around $16 anticipate costing uh costing around $16 million.<
• :03.680> with<00:43:03.839> this we wait, costs increase with this we wait, costs increase
• What's the total cost a $15 million ask.

Bills: HF474, HF218, HF210, HF441, HF691, HF720, HF1068, HF1314, HF1465, HF1860, HF2046, HF1389, HF2404, HF2854, HF2985, HF3128, HF3103, HF778, HF3125

Keywords: HF474, Hubert H. Humphrey, Henry Mower Rice, Statuary Hall, United States Capitol, statue replacement, capital investment, general fund appropriation, Minnesota State Capitol, Minnesota State Historical Society, public art, commemorative statue, National Statuary Hall Collection, commissioner of administration, cultural heritage, monument, Washington D.C., HF218, Minnesota, Department of Public Safety

Bills: SB100, SB122, SB127, HB182, HB275, SB100, SB122, SB127, HB182, HB275

Keywords: property tax, ad valorem tax, real property assessment, assessment cap, county-wide reappraisal, CPI-U, Consumer Price Index, tax assessor, Class II property, Class III property, local government revenue, property tax relief, reappraisal, tax increment district, retroactive tax law, Alabama Code 40-7-2.2, appropriation, education funding, Southern Preparatory Academy, fiscal responsibility

Transcript Highlights:

• The markup can be no more than 16.99% of the cost of merchandise plus freight cost.
• This bill is going to provide that the term cost of merchandise shall only include the amount the board

Bills: SB289, HB395

Keywords: economic development, tax credits, local organizations, Growing Alabama Act, infrastructure improvements, intermodal facilities, agricultural centers, liquor, mark up fee, Alcoholic Beverage Control, wholesale sales, state regulation, cost of merchandise, 1136, house, all

Transcript Highlights:

• Some programs now function solely as premium assistance subsidizing commercial insurance costs instead

Bills: HB50

Keywords: constitutional amendment, ballot language, fiscal note, fiscal impact, cost estimate, savings estimate, Legislative Budget Board, LBB, secretary of state, Election Code, Government Code, voter information, ballot proposition, state budget, election administration, Texas

Transcript Highlights:

• As costs continue to rise, we need to find reasonable approaches to help relieve cost burdens on employers
• But these mandates come with a cost.
• these mandates come with a cost. these mandates come with a cost.
• The biggest driver of what's driving cost is the cost of the care that's being provided.
• defrail costs, pay for um reinsurance. defrail costs, pay for um reinsurance.

Bills: HF3388, HF400

Keywords: HF3388, Minnesota premium security plan, reinsurance, health insurance, group health carriers, MCHA, MNsure, individual market, premium stabilization, carrier assessment, health insurance assessment, premium security plan account, state innovation waiver, high-risk pool, reinsurance payments, healthcare premiums, insurance carriers, deferral of assessment, financially impaired condition, HF400

Summary: The committee approved the minutes from the prior day and then heard House File 400, a bill described as a defrayal measure for health insurance mandates. Representative Perryman said the bill would not block future mandates, but would require the state to pay the added costs of any new mandated benefits so those costs would not be shifted to premium payers. She and supporters framed the bill as a way to protect affordability for Minnesota employers, workers, and families, especially in the fully insured market. Testimony in support came from the Minnesota Chamber of Commerce and the Minnesota Council of Health Plans. They argued that Minnesota has a high number of mandated benefits, that each new mandate adds cost to premiums, and that businesses—especially small and midsize employers—are already struggling with rising health insurance costs. The health plans representative said the bill would use the existing Commerce defrayal process to reimburse plans for eligible mandate-related claims, allowing those costs to be removed from premium rates. Several members echoed support, saying the bill would improve transparency by showing the fiscal impact of proposed mandates and help prevent people from being priced out of coverage. Members also explored how mandates apply in the market and how premiums are set. Deputy Commissioner Julia Dryer explained that, unless otherwise specified, mandates generally apply to the individual, small group, and fully insured large group markets, while self-insured ERISA plans and other markets are generally outside that scope. Representative Elkins noted that the affected market is relatively small and said small businesses are increasingly moving to self-insured plans because of cost. He and others raised concerns about affordability, while Representative Smith argued that mandates often ensure needed care and that the bill shifts costs to taxpayers rather than insurers. Representative Bacham added a personal example from tribal self-insurance, saying preventive physicals had saved lives and asking whether other factors besides mandates are driving insurer costs. No amendments were offered, and the bill was laid over for possible future consideration.

Transcript Highlights:

• <00:36:31.520> for replacement cost benefits they paid for replacement cost benefits they
• The insurance companies know what replacement<00:37:02.120> cost replacement cost replacement
• <00:37:13.000> cost to pay extra for the replacement cost to pay extra for the replacement
• According to the terms of their policy. replacement value cost, is that replacement value cost, is that
• Replacement cost versus what I mean? Replacement cost versus dollar<00:41:12.480> amount?

Bills: SB2960, SB2347, SB2272, SB3137, SB3132, SB2271, SB2804, SB2175, SB2487

Keywords: homeowners insurance, disaster recovery, replacement cost value, state of emergency, policyholder rights, insurance extensions, tenant rights, landlord obligations, housing crisis, eviction prevention, multilingual access, SB2272, Act 105, home health licensing, home health agency, home health services, Department of Health, DOH, CMS, Centers for Medicare and Medicaid Services

Summary: The committee heard several resolutions and one bill focused on energy reliability, utility infrastructure, insurance, tenant rights, and home health licensing. On the energy side, members heard HCR 203/HR 193 on a status update for the Hawaii Electric Reliability Administrator, HCR 204/HR 194 on a comprehensive PUC analysis of cost reduction and risk, and HCR 202/HR 192 creating a legislative task force on future energy pathways. Testimony on the energy measures was generally supportive from the PUC, DCCA’s Division of Consumer Advocacy, the Hawaii State Energy Office, and the Office of Hawaiian Affairs, with OHA urging that equity, native Hawaiian impacts, and public trust resources be considered alongside cost savings. The committee also heard HCR 125/HR 117 on coordinating with utilities to address aging utility poles and lines along Farrington Highway and other high-risk corridors; Hawaiian Electric supported the measure, Hawaiian Telcom and Charter Spectrum said much of the work is already underway and questioned whether the resolution was necessary, and committee questioning focused on existing double-pole tracking and the role of DOT and the PUC. The committee then took up HCR 137/HR 129 on timely reimbursement of health care claims under the clean claims statute. The DCCA Insurance Division and the Hawaii Insurers Council opposed the measure as drafted, saying it could be read to require payment beyond policy limits and could raise premiums or reduce market participation. United Policyholders supported the measure, arguing it would simply give policyholders more time to collect benefits they already purchased, and clarified that it was not intended to increase coverage beyond policy limits. The committee later amended the resolution to direct the DCCA Insurance Division to prioritize investigation and enforcement of clean claims complaints. In the decision meeting, the committee recommended and adopted passage of HCR 203/HR 193 as is, HCR 204/HR 194 with an amendment removing the eighth whereas clause, HCR 202/HR 192 with an amendment adding a committee representative to the task force, HCR 125/HR 117 as is, and HCR 137/HR 129 with amendments. The committee also heard SB 2960 SC1 on property insurance, which would extend the time policyholders have after a declared disaster to document replacement-cost claims. The Insurance Division and Hawaii Insurers Council opposed it, warning it could force coverage beyond policy limits and increase premiums, while United Policyholders supported it and said it would help disaster survivors recover benefits they already paid for; members questioned whether similar laws in other states had caused premium spikes and clarified that the bill was not intended to exceed policy limits. The committee also heard SB 2347 SD1 on multilingual tenant-rights notices, with OHA, Hawaii Appleseed, and others supporting the bill but urging restoration of language requiring landlords to directly provide the notice at lease signing. Finally, SB 2272 SD1 HD1 on home health licensing drew support from the Department of Health, SHPDA, and the Health Care Association of Hawaii, with the association requesting an effective date amendment; testimony explained that the bill would allow state licensing compliance to be demonstrated through CMS-approved accreditation or certification surveys, potentially reducing duplication and freeing state resources.

Bills: HB 1237, HB 2663, HB 3071, HB 4384

Keywords: occupational licenses, renewal, Texas Commission on Environmental Quality, registration, license expiration, solid waste, landfill permits, environmental regulation, population density, municipal waste management, gas utilities, cost recovery, regulatory asset, rate making, Texas Railroad Commission