Video & Transcript Research : 'premium structure'

Page 34 of 478
KY
Transcript Highlights:
  • To summarize, in the University model there was an increase in low-income degree premium from 3% to 8%
  • To summarize, in the University model there was an increase in low-income degree premium from 3% to 8%
  • To summarize, in the University model there was an increase in low-income degree premium from 3% to 8%
  • <00:04:53.000> from<00:04:53.199> 3%<00:04:53.840> to lowi income degree premium
  • from 3% to lowi income degree premium from 3% to 8%<00:04:55.600> um<00:04:55.759> it<
Summary: The subcommittee met with a quorum, approved the minutes, and welcomed new members before taking up Council on Postsecondary Education regulations 13 KAR 2:120 and 13 KAR 2:130. The regulations, as amended by staff and agency amendments, update public university and KCTCS performance funding models to conform to 2024 Senate Bill 191 and the performance funding work group’s recommendations. Changes discussed included replacing the underrepresented minority metric with an underrepresented students metric defined as first-generation students, adding an adult learner metric, increasing the low-income degree premium, adjusting small-school and nonresident credit-hour weights, revising data aging and progression metrics, and adding STEM+H criteria in 13 KAR 2:120. Travis Pal of the Council on Postsecondary Education explained that the changes reflect the work group’s three-year review process and that the work group ultimately voted to define underrepresented students as first-generation students and to apply half-weighting between research and comprehensive universities for the new metric. Michael Frasier of the Kentucky Student Rights Coalition and Eastern Kentucky University student government opposed 13 KAR 2:120, arguing that the regulation improperly applies weights where the statute does not clearly authorize them and that the funding changes disadvantage comprehensive universities and vulnerable students. He asked the committee to find the regulation deficient or, alternatively, recommend legislative clarification and a revised fiscal analysis. Pal responded that weighting has been part of the model since 2017, that CPE was following the statute and work group recommendations, and that the model could be changed by future legislation. Members asked about the timing of the broader performance funding review, and Pal said the full model is reviewed every three years, with the next work group cycle beginning in 2026. No motion to find the regulation deficient was made, and the committee allowed the regulations to proceed to the committee of jurisdiction. The committee then approved a staff amendment to Teachers’ Retirement System regulations 102 KAR 1:195 and 102 KAR 1:340, which require annual reporting of accumulated sick leave, leave policies, and salary schedules to TRS and make technical changes to the final average salary calculation and related definitions.
NH

New Hampshire 2026 Regular Session

House Labor, Industrial and Rehabilitative Services (01/20/2026)

Labor, Industrial and Rehabilitative Services

Transcript Highlights:
  • <00:43:55.200> So so or how that should be structured.
  • So so or how that should be structured.
  • for every small business owner premiums for every small business owner in<00:54:10.720> the<00
  • use those dollars to pay those premiums use those dollars to pay those premiums whether<05:01:31.440
  • <05:36:42.160> get going to play into how the premiums get going to play into how the premiums
Keywords: 1189, house, all
MN

Minnesota 2025-2026 Regular Session

Committee on Human Services - 03/11/26

Health and Human Services

Transcript Highlights:
  • So, I appreciate their structure it.
  • If we were able to drop it to a 1% inflation factor, that premium would drop to $5,607.
  • drop to that premium would drop to $5,607. $5,607. $5,607.
  • And, as I mentioned, it's $2,660 a year difference in premium.
  • <00:15:39.280> That's a year difference in premium. That's a year difference in premium.
Keywords: 1187, senate, all
MN

Minnesota 2025-2026 Regular Session

Tran Committee Meeting - 2026-04-08

Transportation Finance and Policy

Transcript Highlights:
  • So higher claims payouts equals higher insurance premiums. And let's work. Climate fits in.
  • So hired turns print payouts equals higher insurance premiums. And let's work. Climate fits in.
  • looking at the MCIT rates, and in 2024 the rate the Minnesota County Intergovernmental Trust raised premiums
  • the MC it rates and in 2024, the rate the mic Minnesota county ever intergovernmental trust, raise premiums
  • reconstruct the pavement in our area, we're reusing most of those materials back into the pavement structure
Bills: HF4807
NM

New Mexico 2025 Regular Session

House - Health and Human Services Jan 27th, 2025

House Health & Human Services

Transcript Highlights:
  • And not only that, but paying the premiums that have to go in to match for the employees.
  • The bill requires employees to pay their premiums out of their net wages, not their gross wages.
  • And just to clarify, costs have gone up in general with mortgages, rents, insurance premiums, and car
  • It's D, it's on line 14 to determine an actuarially sound premium rate and a future premium rate setting
  • So future premium rate setting for the program created pursuant to the Paid Family Medical Leave Act
OK

Oklahoma 2026 Regular Session

Retirement and Government Resources REVISED Feb 17th, 2026 at 10:30 am

Retirement and Government Resources

Transcript Highlights:
  • Currently, OMES will take bids, and we are looking at the hard structure and the soft furnishings inside
  • So, often we see that the hard structures have a fixed cost.
  • people don't know this, but how this is primarily funded for those pensions is through the state premium
  • And that's where we started using the state insurance premium tax as a funding mechanism to complement
  • It is now the predominant funding source for these pensions is the state insurance premium tax, which
CA

California 2025-2026 Regular Session

Assembly Insurance Committee Apr 2nd, 2025

Transcript Highlights:
  • It's now up in the sort of top six, top 10, depending on how you measure it in terms of premium dollars
  • So the business, in some cases, this 11.5% might be what we call minimum premium.
  • , well, I’ll get into the cannabis business if I know I’m not short-covering or writing a minimum premium
  • They’re competitively disadvantaged because their cost structure, their wage structure—they probably
Summary: The Assembly Insurance Committee met as a subcommittee and heard several bills focused on insurance transparency, wildfire mitigation, market access, and workforce issues. AB 75 would require insurers to give homeowners 30 days’ notice before collecting aerial images of their property and allow homeowners to review those images; supporters said it would improve privacy and prevent inaccurate non-renewals, while consumer and industry groups both sought amendments. AB 234 would add the Assembly Speaker and Senate President pro Tem, or designees, as non-voting members on the California FAIR Plan governing committee; the Department of Insurance supported it as an oversight measure, while Consumer Federation of California said it was only a small first step toward broader transparency reforms. AB 428 would let water corporations join joint powers authorities for pooled insurance, with supporters citing rising insurance costs for small water systems and no remaining opposition after amendments. AB 943 would streamline producer pre-licensing education by removing the 20-hour per-line requirement while keeping ethics training; industry sponsors said it would reduce barriers to entry, while consumer advocates warned it could lower professional standards. AB 1209 would create a pathway for cannabis employers to secure workers’ compensation coverage and related services through a state-coordinated network; supporters said it would help bring the industry into compliance, while one member raised concerns about creating a special carveout for a federally restricted industry. AB 1 would require periodic review of the state’s Safer from Wildfire regulations every five years, and it drew broad support from the department, insurers, local governments, and industry groups as a way to keep wildfire mitigation incentives current. The committee also took up a consent calendar including AB 69, AB 487, and AB 570, all of which were sent to Appropriations. The committee approved AB 75 to Privacy and Consumer Protection, AB 234 to the Assembly Floor, AB 428 to Local Government, AB 943 to Appropriations, AB 1209 to Business and Professions, and AB 1 to Appropriations. Most measures passed on strong or unanimous votes after members added coauthor requests and expressed support for the bills’ consumer protection, transparency, or wildfire-related goals.
CA
Transcript Highlights:
  • General Fund loan repayment, does it not impact the separate fee increase to address the Bureau's structural
  • And so establishing another office would create a parallel structure with Northern California and Southern
  • Other than I just want to add, we use performance-based fee structures, so the increased cost means we
  • This reflects changes in estimated health and dental premium cost.
  • The health premiums are an estimate.
Summary: The Assembly Budget Subcommittee 5 on State Administration held a May Revise hearing focused on state administration proposals, with the chair noting no actions would be taken and all items would remain open. The committee heard presentations on a range of budget proposals, including technical adjustments for the Governor’s Office of Service and Community Engagement and the California Workforce Development Board, security and election-related funding for the Secretary of State, modernization and loan-backfill requests for the Department of Consumer Affairs, and multiple Employment Development Department updates covering EDD Next, UI and DI/PFL benefit estimates, workforce funding, and an EMT training reappropriation. Several items drew discussion from the LAO and committee members. The LAO generally supported technical or modernization items such as PERB’s implementation requests, GoServe’s College Corps adjustment, the Secretary of State’s security and HAVA grant items, and the Board of Pharmacy modernization proposal, but raised concerns about the Bureau for Private Postsecondary Education’s proposed $10 million General Fund backfill and interest-free loan language. For EDD, the LAO flagged the size of the DI/PFL benefit adjustment and the unusual structure of the document management system proposal within EDD Next, while EDD said the changes reflected higher participation and benefit levels after SB 951 and ongoing modernization needs. The Department of Industrial Relations drew the most extensive questioning. It proposed funding for legal unit reclassifications, EAMS and Cal/OSHA data modernization, a new Cal/OSHA emerging technologies unit, a COYA reappropriation, and trailer bill changes requiring electronic payment of employer assessments and adjusting the Workers’ Compensation Appeals Board timeline. Members pressed DIR on high vacancy rates, long wage theft and workers’ compensation backlogs, low collection rates for fines, and the need for clearer workload and outcome measures. DIR said the requests were intended to improve efficiency, support audits and corrective action plans, and better address emerging workplace risks, while the LAO said the workload drivers behind delays remain unclear. The hearing also included support for CalHR’s employee assistance program consolidation and CDT’s proposal to expand “Poppy,” a statewide generative AI assistant for state employees.
LA

Louisiana 2026 Regular Session

House of Representatives May 26th, 2026

Louisiana House Floor Meeting

Transcript Highlights:
  • So my question is, to pay the premium, but they’re the actual owner.
  • The bank may receive some of its premiums back. The bank receives all of their premiums back.
  • A split-dollar plan where the executive and the bank may split premiums.
  • , decrease the premium, to do whatever.
  • for the premiums.
Bills: HR320, HR321, SCR55, SCR69, SCR75, SCR77, SCR78, SCR79, SB259, SB295, SB312, SB348, SB444, SB485, HR73, HR118, HR144, HR196, HR237, HR249, HR260, HR267, HR272, HR278, HCR85, HCR100, HCR105, HCR107, HCR114, HR245, SCR5, SCR29, SCR33, SCR37, SCR63, SCR30, SCR40, HB62, HB193, HB210, HB220, HB246, HB364, HB420, HB475, HB584, HB622, HB772, HB784, HB949, HB953, HB1043, HB1070, HB1092, HB1134, HB1162, HB1176, HB1196, HB1214, HB119, HB129, HB233, HB283, HB538, HB789, HB850, HB870, HB1236, HB1241, HB54, HB137, HB321, HB368, HB386, HB414, HB431, HB552, HB555, HB578, HB590, HB593, HB618, HB638, HB670, HB692, HB707, HB708, HB715, HB718, HB732, HB741, HB748, HB776, HB796, HB807, HB822, HB848, HB856, HB887, HB888, HB917, HB921, HB1082, HB1243, HB1246, HB378, HB509, HB1090, HB1259, SB80, SB131, SB143, SB251, SB254, SB279, SB367, SB384, SB388, SB389, SB398, SB408, SB431, SB468, SB469, SB496, SB4, SB52, SB57, SB83, SB145, SB152, SB194, SB276, SB319, SB333, SB448, SB450, SB465, SB484, SB501, SB509, SB149, HR168, HB463, HB998, SB123, SB353, SB479, SB495, SB82, SB97, SB283, SB326, SB518, SB197, SB268, HB901, HR20, HR74, HCR65, HCR71, HCR98, HB284, HB306, HB341, HB366, HB393, HB458, HB577, HB603, HB605, HB614, HB625, HB646, HB733, HB752, HB773, HB798, HB911, HB955, HB996, HB1035, HB1069, HB1113, HB1140, HB1180, HB1191, HB1240, HB1255, SB89, HB74, HB134, HB258, HB359, HB468, HB956, HB1117, SB29, SB42, SB43, SB78, SB208, SB217, SB274, SB300, SB341, SB379, SB382, SB387, SB401, SB441, SB449, SB487
NM

New Mexico 2026 Regular Session

Senate - Finance Jan 29th, 2026 at 09:05 am

Senate Finance

Transcript Highlights:
  • On line 18, there's a $45 million increase to pay for insurance premium increases.
  • Those items include a Martinez-Yazi action plan coordinator, EPP faculty, and structured literacy.
  • We have—our Madam President Pro Tem has been pushing structured literacy for a long time.
  • So schools get funding through the SECG to support structured literacy.
  • Additional funding for structured literacy could be utilized... ...funding formula.
Keywords: 996, all
CA

California 2025-2026 Regular Session

Senate Budget and Fiscal Review Committee Jun 29th, 2026

Budget and Fiscal Review

Transcript Highlights:
  • It cuts the long-term structural deficit in half.
  • I think it's about $8 billion in structural deficits.
  • This year, we wanted to address the structural deficits in the out years.
  • But we still address the ongoing structural deficit.
  • Today's divided structure makes it harder to set direction and see results.
Keywords: 987, senate, all
MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Health Care Financing Jun 21st, 2026 at 01:00 pm

Joint Committee on Health Care Financing

Transcript Highlights:
  • Patients rack up insurance premiums, co-pays, co-insurance, travel, and other out-of-pocket costs.
  • We know pharmaceutical costs are driving the increase in premium rates in Massachusetts.
  • We know pharmaceutical costs are driving the increase in premium rates in Massachusetts.
  • The payment structure I certainly understand.
  • It was within the existing premium.
Keywords: 995, all
Summary: The Joint Committee on Health Care Financing held a public hearing on a large docket focused on primary care, workforce development, and medical debt. Chairs Cindy Friedman and John Lawn outlined hearing procedures and noted that testimony would be taken on 17 matters. The committee first heard testimony on bills to establish a community health center nurse practitioner residency program and to strengthen mental health centers. Senator Keenan, Rep. Keefe, and health center leaders described the Worcester nurse practitioner residency as a successful pipeline and retention strategy, citing workforce shortages, training needs in community health centers, and the cost of the program. Rep. O’Day also supported the mental health centers bill, saying it would raise payment rates, improve reimbursement for behavioral health services, and help clinics retain staff and expand access. The committee then took testimony on bills to address medical debt through hospital financial assistance reform. The Attorney General’s Office, Health Care for All, Health Law Advocates, the Leukemia and Lymphoma Society, and individual patients supported the measure, arguing that hospital financial assistance policies are inconsistent, hard to find, and difficult to navigate. Witnesses said the bill would standardize eligibility criteria, create a uniform application, improve notice requirements, and expand access to discounted care up to 400% of the federal poverty level. Several personal stories described medical bills being sent to collections, confusion over insurance billing, and the burden of debt on low-income and chronically ill patients. Committee members asked about hospital concerns, the role of the health safety net, and whether the bill addressed root causes of medical debt; testimony emphasized that the proposal was meant to improve transparency and access rather than replace broader insurance reforms. The hearing also focused heavily on “Primary Care for You” legislation, H. 1370 and S. 867, which would increase primary care investment and create a new payment model. Rep. Haggerty, physicians, a patient, community health center leaders, and the Massachusetts League of Community Health Centers described a primary care crisis marked by low reimbursement, staffing shortages, long waits, burnout, and difficulty recruiting clinicians. Supporters said the bills would shift spending toward preventive, team-based care, improve access and equity, and reduce long-term costs. The Massachusetts Association of Health Plans said it was directionally supportive of increased primary care investment but warned that any new spending must stay within the cost growth benchmark and preserve existing contracting structures. The hearing ended with additional testimony on a community health center workforce and loan repayment grant bill from Rep. Stanley, and with further discussion from Dr. Alan Garo about the need for payment reform in primary care.
NM

New Mexico 2025 Regular Session

IC - Tobacco Settlement Revenue Oversight Nov 14th, 2025

Tobacco Settlement Revenue Oversight Committee

Transcript Highlights:
  • There's a sliding scale, but you can get subsidies for your premiums.
  • It's not all of your out-of-pocket costs, but for your monthly health insurance premiums, up to 400%
  • The health insurance premium subsidies for people who are on the exchanges across the country, the health
  • Just real quickly, that comes from the Health Insurance Premium Surtax, which is where that fund is generated
  • just to help better understand how the youth engagement model works and the campaigns and why it's structured
CA

California 2025-2026 Regular Session

Assembly Floor Session Jun 13th, 2025

California House Floor Meeting

Transcript Highlights:
  • that have required us to tighten our belts, and it takes meaningful steps to address them. our structural
  • I cannot stand for a young woman who gets pregnant and can't keep up with a monthly premium imposed on
  • why it pains me to say this, if we move. forward with freezing Medi-Cal enrollment and charging premiums
  • sees others as less than, that will freeze them out of health care, that will insist that they pay premiums
  • life, and love, and work are going to be disenfranchised. by creating a two-tier system with our premium
Keywords: 988, house, all
FL

Florida 2026 5th Special Session

Banking and Insurance Mar 17th, 2025

Transcript Highlights:
  • the bill makes changes to subscriber contributions, the fee charged to policyholders on top of the premium
  • The bill also provides that insurers include information to policyholders about where their premium dollars
  • And when our management goes to secure those loans, those banks want to look at the proposed structure
  • Senate Bill 1740 is a pro-consumer insurance bill with a goal of bringing down insurance premiums, decrease
  • corresponding mitigation credit given by the insurance company to homeowners that will reduce the insurance premium
Summary: The committee heard and advanced several insurance, financial regulation, and public safety bills. SB 1656, a large Office of Insurance Regulation bill, was taken up with a delete-all amendment and extensive discussion. The bill would increase transparency in insurance rates and mitigation data, update reciprocal insurer rules, limit use-and-file rate filings, expand cybersecurity breach notification, and strengthen oversight of continuing care retirement communities (CCRCs). Residents and senior advocates generally supported stronger oversight to prevent bankruptcies like the Unison case, while CCRC operators and industry groups warned that lien authority, reserve requirements, and other provisions could raise borrowing costs and burden well-run communities. The committee adopted the delete-all amendment and then reported the bill favorably after debate and public testimony. The committee also passed SB 1658 on the public records database for uniform mitigation verification forms, with a clarifying amendment protecting policyholders’ personal information. SB 1612 on financial institutions was reported favorably after an amendment and substitute amendment dealing with credit union investment limits and reimbursement rules for board members. SB 1740, an insurance bill aimed at reducing premiums and insolvency risk, was amended to prioritize rate-decrease filings and prohibit AI as the sole basis for claim denials; it was then reported favorably. SB 1212 on firefighter health and safety was amended to add occupational disease language and other firefighter protections, including safer gear, cancer prevention, and possible telehealth mental health services, and was also reported favorably. Finally, SB 1184 on residual market insurers was amended to preserve existing excess-and-surplus line standards, strengthen consumer disclosures, and clarify Citizens-related appointment rules before being reported favorably. Throughout the meeting, committee members repeatedly noted that several bills were still being refined with stakeholders, and multiple public witnesses testified in support of or opposition to the CCRC and insurance provisions, focusing on resident protection, financial stability, and unintended cost impacts.
NH

New Hampshire 2025 Regular Session

House Labor, Industrial and Rehabilitative Services (02/04/2025)

Labor, Industrial and Rehabilitative Services

Transcript Highlights:
  • It was a lot of work, and the concern was that workers' comp premiums were going really too high to a
  • It was a lot of work, but the concern was that workers' comp premiums were going really too high to a
  • benefit structure so rather than<02:14:55.040> an<02:14:55.199> employer<02:14:56.239>
  • He asked how the structure works, whether the employer pays half and the employee pays half, and who
  • how that is the employer pays structure how that is the employer pays half<03:45:53.720> the<
Keywords: 1189, house, all
FL

Florida 2026 Regular Session

Senate in Session Apr 30th, 2025

Florida Senate Floor Meeting

Transcript Highlights:
  • Inspections and structural integrity reserve studies are now being completed, and with each milestone
  • Inspections and structural integrity reserve studies are now being completed, and with each milestone
  • We're not actually going to require insurance premiums to come down.
  • There were major reforms to PIP in 2012 requiring insurance premium reduction.
  • Yep. 2012 requiring insurance premium reduction.
Summary: The Senate began with opening prayer, the Pledge of Allegiance, and several recognitions, including interns, Denim Day awareness, and a resolution honoring Vietnam veterans exposed to Agent Orange on the 50th anniversary of the fall of Saigon. The chamber also observed a moment of silence for former Senator Karen Johnson Gendron. After routine business, the Senate took up several special-order bills. The first major bill, transportation offenses involving death, increased penalties for repeat DUI/BUI manslaughter and vehicular homicide offenses. An amendment added penalties for refusal to submit to breath or urine testing and required law enforcement to notify suspects of those penalties. The bill passed 37-0. The Senate then passed SB 306 on Medicaid providers, requiring broader after-hours and holiday access to care and setting network standards for Medicaid managed care plans, also by a 37-0 vote. The chamber next considered a major condominium and cooperative associations bill responding to post-Surfside safety and financial concerns. Senators described the measure as balancing building safety with financial relief, extending reserve-study deadlines, allowing temporary reserve relief after inspections, tightening oversight of managers and inspectors, and adjusting voting, resale, and reserve rules. After extensive debate and praise from members for the bill’s sponsors and staff, the bill passed 37-0. The longest discussion centered on a constitutional amendments/petition process bill aimed at curbing fraud in citizen initiative petitions. Sponsors argued that the 2024 petition process was plagued by fraud and identity theft and proposed tighter rules for circulators, faster submission deadlines, voter notification, penalties, and limits on petition handling. Senators offered and adopted multiple amendments, including changes to petition-circulator definitions, invalid-signature thresholds, and voter notification procedures. After a substitute amendment was withdrawn, the Senate continued debating the underlying amended bill, with members split between concerns about election integrity and worries that the bill would burden volunteers and make it harder for citizen initiatives to qualify.
NM

New Mexico 2026 Regular Session

House - Judiciary Feb 6th, 2026 at 04:24 pm

House Judiciary

Transcript Highlights:
  • So the way the Medical Malpractice Act is structured to receive what is referred to as the benefits of
  • And while I agree that you can't paint every corporation or every financial investment structure with
  • They are not necessarily paying their premiums, but they are put through the litigation that is, that
  • So it does not just have to do with the fact that these litigations are driving up premium costs for
  • And that is what may be driving up premiums for medical malpractice insurance. I think that’s fair.
Bills: HB99, HB49, HB164, SB30, SB43, SB50, SB136