Video & Transcript Research : 'electronic'
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MA
Massachusetts 2025-2026 Regular Session
Future of Payments and Sales Transactions by Credit Card and the Impacts for Small Businesses Jun 21st, 2026 at 12:00 pm
Transcript Highlights:
- I'm representing the Electronic Payments Coalition.
- And second, the limits on the global payment electronic payment system.
- It doesn't impact the electronic payment system at all. No impact on the electronic payment system.
- It doesn't impact the electronic payment system at all. No impact of the electronic payment system.
- That is not the purpose of the electronic payment system.
Summary:
The Special Legislative Commission on the Future of Payments and Sales Transactions by Credit Card and the Impacts for Small Businesses held a public hearing focused on interchange fees, sales tax and tip processing, chargebacks, fraud, surcharging, and the broader future of payment systems. Chair Paul Feeney and co-chair Rep. Jamie Murphy opened by explaining the commission’s charge and inviting testimony from small businesses, industry groups, banks, and policy experts. Representative Sean Garballey testified first, arguing that Massachusetts tourism depends on universal card acceptance and stable interchange, and urging the commission not to disrupt the current system ahead of major events expected to bring millions of visitors to the Commonwealth.
A large portion of the hearing featured independent restaurant owners and advocates describing thin margins and the burden of paying percentage-based processing fees on sales tax and tips that are not business revenue. Jen Ziskin, Kristen Canty, Nancy Cushman, Kerry Colzer, and others said restaurants often operate on very small profits and that processing fees on taxes and gratuities can amount to tens or hundreds of thousands of dollars annually. Ryan Lotz also urged reforms to chargebacks, including refunding chargeback fees when merchants prevail, requiring consumers to contact businesses before disputing charges, and limiting repeat abuse. Commission members pressed witnesses on whether tax and tip amounts could be separated at the point of sale, and several witnesses said current consumer card systems do not transmit that level of detail.
Testimony from credit union, banking, and payments representatives largely opposed state-level changes that would carve out taxes or tips from interchange, warning of compliance burdens, higher costs, reduced rewards, and possible effects on fraud protection and access to credit. Alex Verine of America’s Credit Unions and Deb Peters and Keely McEwen of the Electronic Payments Coalition said the payment system is complex, that interchange funds fraud prevention and network infrastructure, and that new state mandates could create operational and legal uncertainty. Dan Swanson argued states have authority to act and pointed to Illinois litigation and federal court rulings, while Julian Morris and Brad Popolado emphasized the benefits of card acceptance, the decline of cash, and the need to consider other payment methods and check fraud as well. Several witnesses discussed international payment systems, instant payments, and QR standards as possible future directions.
The chairs and members engaged in extended back-and-forth with witnesses about whether Massachusetts could exempt sales tax from swipe fees, whether surcharging should be revisited, and whether vendor compensation or other targeted relief might be more workable than broad changes to interchange. No votes were taken. At the close of the hearing, the chairs said the commission would hold one additional public hearing date to be determined, after which members would begin developing next steps and a report.
NY
New York 2025-2026 Regular Session
New York State Senate Session - 04/21/2026
New York Senate Floor Meeting
Transcript Highlights:
- Certainly electronics mostly are not manufactured in the State of New York, and one buys electronics
- Certainly electronics mostly are not manufactured in the State of New York, and one buys electronics
- Certainly electronics mostly are not manufactured in the State of New York, and one buys electronics
- Certainly electronics mostly are not manufactured in the State of New York, and one buys electronics
- Certainly electronics mostly are not manufactured in the State of New York, and one buys electronics
Summary:
The Senate opened with prayer, the Pledge of Allegiance, and several guest introductions, including students from Brooklyn and St. John’s University, followed by adoption of the resolution calendar with exceptions for two items. The chamber then took up a series of previously adopted resolutions recognizing Black Maternal Health Week, Workplace Violence Prevention Month, the one-year anniversary of the Jet Set nightclub tragedy in the Dominican Republic, New York Constitution Day, and the Month of the Military Child. Senators speaking on the maternal health resolution emphasized racial disparities in maternal mortality and the need for culturally competent care; the workplace violence resolution highlighted hospital safety programs; the Jet Set resolution was adopted in memory of the victims; and the Constitution Day speech reviewed New York’s delayed but eventual support for independence in 1776. The military child resolution stressed the sacrifices of military families and support for children of service members. All of these resolutions were adopted, and the resolutions were opened to co-sponsorship.
The Senate then moved through the third reading calendar, passing several bills and laying others aside. Measures passed included bills on public health, environmental conservation, executive law, public authorities, and consumer protection. One notable debate involved a bill to require transparency from private arbitration organizations handling consumer cases; supporters argued it would provide basic public data and guard against conflicts of interest, while opponents said it would burden a useful dispute-resolution process and intrude on privacy. The bill passed after debate. Another debated bill would phase out number 4 heating oil statewide; supporters said cleaner alternatives exist and the fuel is harmful to public health, while opponents raised cost and transition concerns, especially for colder regions. That bill also passed.
The chamber also considered a bill to create a rebate program for battery-powered landscaping equipment, funded through utility-related mechanisms administered by NYSERDA. Supporters said it would reduce air and noise pollution and help companies transition, while opponents argued ratepayers should not subsidize landscaping equipment. The bill passed after being restored to the non-controversial calendar. Finally, the Senate began discussion of a housing-related bill aimed at preserving manufactured home parks by enabling nonprofits or municipalities to acquire development rights and keep the land dedicated to that use, with the sponsor explaining that the goal is to protect affordable housing and help residents remain in their homes.
MN
Minnesota 2025-2026 Regular Session
House Human Services Finance and Policy Committee 2/25/25
Human Services Finance and Policy
Transcript Highlights:
- us um before I get to the electronic us um before I get to the electronic health<00:18:53.080>
<01:04:34.200>- We had the executives from our electronic health record vendor.
- I know we're talking about technology, electronic health records.
health were able to get the electronic health were able to get the electronic - that time the court has a new electronic that time the court has a new electronic system<01:19:14.679
FL
Florida 2025 Regular Session
March 12, 2025 - 10:15 AM
Transcript Highlights:
- There are issues with the electronic verification process.
- Electronic visit verification. That's what it means.
- Electronic visit verification. That's what it means.
- So electronic visit verification, which you spend a lot of time talking about.
- So having an electronic means to do that would be preferable.
Summary:
The subcommittee heard a lengthy presentation on the Agency for Persons with Disabilities’ I-Connect system, based on an ILAB assessment of the platform’s performance and requirements. ILAB said the system provides useful centralized records, reporting, compliance support, and audit trails, but users described it as cumbersome, outdated, and inefficient, with excessive manual entry, weak navigation, limited notifications, no mobile app, poor printing/export options, and performance issues. ILAB also said the original 2013-era requirements were too high-level and that only a portion of the requirements could be verified, with some features de-scoped or never implemented. Their recommendations included better integration with electronic health record systems, improved performance monitoring, electronic signatures, OCR, and more modern export and verification tools.
Public testimony from providers and advocates echoed those concerns. A support coordination provider said the system is nicknamed “I Disconnect,” described problems with EVV/GPS sign-ins, lengthy support plans, lack of a phone app, and possible HIPAA concerns. Another advocate said the system should have preserved family access to records and criticized the need for providers to use workarounds and additional software. APD staff said the agency has spent about $19.7 million through FY 2023-24, has regular build updates under the current contract with WellSky, and uses an internal help desk and vendor ticketing process to triage bugs versus enhancement requests. They said some issues are handled case-by-case, critical tickets have SLAs, and the agency is working on interoperability and other requested improvements.
Members questioned whether the system should be fixed or replaced, whether the original contract and SaaS arrangement were sufficient, and whether the state received value for the money spent. APD said the system went live in phases and that all functionality was in place by June 2024, while ILAB and members noted significant technical debt and unresolved gaps. The committee also discussed record retention, provider access to records after a consumer changes providers, and whether federal funding or compliance could be affected. The meeting ended with broader budget remarks emphasizing completion over expansion, stronger upfront planning for technology projects, and more accountability before funding new systems or major enhancements.
MN
Transcript Highlights:
- That is the electronic pull tabs, and only in the instance where there's growth in the electronic pull
- That is the electronic pull tabs, and only in the instance where there's growth in the electronic pull
- That is the electronic pull tabs, and only in the instance where there's growth in the electronic pull
- That is the electronic pull tabs, and only in the instance where there's growth in the electronic pull
- the sale of electronic pole tabs. the sale of electronic pole tabs.
NM
New Mexico 2025 Regular Session
IC - Science, Technology and Telecommunications Nov 12th, 2025
Science, Technology & Telecommunications Committee
Transcript Highlights:
- a place that needs more electrons.
- They sometimes produce more electrons than the transmission lines can carry out.
- This can lower costs because it allows the cheap electrons to reach New Mexicans.
- Sort of anyone can make an electron right now. So anyone can store an electron right now.
- Right now, the more electrons folks use, the more an IOU earns, to a point.
NH
New Hampshire 2025 Regular Session
House Finance Division I (03/05/2025)
Transcript Highlights:
- required to Pro provide electronically required to Pro provide electronically and<05:17:31.680><
- don't exist in electronic form.
- :36:24.920>
I for them to be provided electronically I for them to be provided electronically - it's only if they exist in electronic it's only if they exist in electronic<05:36:39.280>
form - and if the town has it electronically and if the town has it electronically<05:37:15.320>
they
Summary:
The committee took up House Bill 2 provisions affecting the New Hampshire Retirement System, focusing on Group 2/Tier B retirement changes in pages 25 through 39 of the bill. NHRS Executive Director Jan Goodwin and deputy chief counsel Mark Kavanaugh explained that the 2025 bill is largely similar to prior versions and to HB 727, with the main difference being that the 2025 version does not include the earlier increase in the maximum benefit. They also said the fiscal note for HB 2 is based on earlier actuarial work and that an updated valuation was expected later in the week.
A major topic was whether the bill accidentally removed an anti-spiking or special-duty compensation limit. NHRS said the omission appears to be a scrivener’s error caused by moving language between Group 1 and Group 2 definitions, and they planned to flag it in the fiscal note. Members also reviewed the bill’s intent to restore Tier B members to pre-2011 benefit rules, including changes to earnable compensation, average final compensation, and the comp-over-base rule. Some members questioned whether restoring those older rules was appropriate, arguing the 2011 changes were meant to curb pension spiking and that undoing them could be problematic.
The committee also discussed the bill’s cost and funding assumptions. NHRS said the 2025 bill would reduce unfunded actuarial liability by about $98.2 million and would have a more favorable effect than the 2023 version, while employer contribution impacts would remain relatively small. Members noted the bill assumes annual appropriations of $27.5 million for 10 years, but House Bill 1 currently provides only $5 million in the first year, and NHRS had not yet analyzed the effect of that shortfall. No votes were taken in the portion provided; the discussion was informational and focused on clarifying the bill’s language, intent, and fiscal impact.
MN
Minnesota 2025 1st Special Session
Committee on Health and Human Services - 01/30/25
Health and Human Services
Transcript Highlights:
- <00:04:02.400>
attendance Statewide electronic attendance Statewide electronic attendance - electronic uh a Statewide electronic electronic uh a Statewide electronic record<00:24:58.520>
more money great you want new electronic more money great you want new electronic you<00:37:43.800- And then I ask, with the electronic records, who's verifying?
- <00:33:53.120>
records <00:33:53.639>sounds electronic records sounds electronic records
Summary:
The Health and Human Services committee heard a presentation from Department of Children, Youth, and Families Commissioner Tiki Brown on the department’s 2025 budget and transition plans. Brown said the governor’s budget pairs targeted reductions with modest investments, resulting in net general fund savings, while preserving core safety-net programs. Major proposals included funding for program integrity, modernization of the child welfare SSIS system, compliance changes for the Child Care Assistance Program (CCAP), operating adjustments, and a transition account reallocation as the new department continues moving programs from other agencies through July 1, 2025.
A large portion of the discussion focused on CCAP fraud prevention and oversight. Brown and Assistant Commissioner Diane Hy explained that the proposed statewide electronic attendance recordkeeping system would replace retroactive paper-based attendance reporting with more timely data, making it harder to falsify attendance and claim payments improperly. Brown also said the department is working with the Department of Human Services Office of Inspector General and other partners on compliance and fraud controls. Senators pressed for more detail on current enforcement, whether payments can be withheld for violations, and whether recent media reports showed gaps in oversight; Brown said payments can be stopped for false attendance records, suspended or revoked licenses, or fraud allegations, but not for health and safety violations alone.
The committee also reviewed other budget-neutral policy changes, including expanding permanency support services for relative foster care and tribal equivalents, strengthening tribal child welfare grants, updating TEACH scholarship rules for early childhood educators, and adjusting the Great Start Compensation Support Payment Program to create a special revenue fund and extend a 10% payment increase to tribally licensed programs and programs on tribal reservation land. Brown also described a $1.5 million annual reduction to restorative practices grants, leaving a smaller ongoing base. No votes or formal actions were taken during the hearing.
NM
New Mexico 2026 Regular Session
House - Consumer and Public Affairs Feb 5th, 2026 at 02:49 pm
House Consumer & Public Affairs
Transcript Highlights:
- communication on electronic communication device, child solicitation by electronic communication device
- So, yeah, I'm curious that on the electronic communication...
- All that to say, Madam Chair, is I think electronic communication kind of cover.
- So, yeah, I'm curious that on the electronic communication. ...misinformation.
- , computer, electronic...
MA
Massachusetts 2025-2026 Regular Session
Future of Payments and Sales Transactions by Credit Card and the Impacts for Small Businesses Jun 21st, 2026 at 11:00 am
Transcript Highlights:
- The electronic payment system is 100% financed by the private sector.
- And that's all because of electronic payments.
- All of that is enabled by electronic payments.
- All of that is enabled by electronic payments.
- I could tip the bellhops at my hotel with electronic payments.
Summary:
The Special Commission on the future of payments and sales transactions by credit card heard extensive testimony from credit union, banking, retail, restaurant, and payments-industry representatives about proposals to limit interchange fees, especially on the tax and tip portions of transactions. Several witnesses opposed state-level restrictions, arguing they would create a patchwork of rules, burden state-chartered institutions, raise compliance complexity, and ultimately reduce resources for fraud prevention, cybersecurity, rewards, and access to credit. Others, including retail and merchant advocates, said swipe fees are a significant and growing cost for small businesses and that states should consider reforms such as limiting fees on taxes and tips, allowing surcharging, improving transparency in merchant contracts, and studying collection costs more closely.
Witnesses also discussed recent legal and regulatory developments, including Illinois’s interchange-fee law, OCC and NCUA interim rules, and the ongoing Visa/Mastercard antitrust settlement. Industry representatives said the Illinois law has been delayed and is likely preempted for most transactions, while merchant advocates argued the state efforts and court rulings show that networks and banks do not set fees competitively. The proposed antitrust settlement was described by some as a meaningful but limited merchant victory, with temporary fee reductions and expanded surcharge/steering rights, while others said it still falls short of structural reform.
The commission members pressed witnesses on the practical effects of fees, the cost of cash, whether merchants can pass costs through, and whether small businesses are actually seeing benefits from the current system. Members repeatedly emphasized the need for a fair middle ground that protects both small businesses and the payment system. No substantive votes or policy actions were taken beyond accepting testimony, and the meeting ended with adjournment after all scheduled witnesses had spoken.
WA
Washington 2025-2026 Regular Session
House State Government & Tribal Relations Jul 10th, 2025
Transcript Highlights:
- Electronic table games will be regulated in a highly regulated manner to protect the integrity of the
- And what is electronic gaming? What does that look like? What is that? So there's...
- So that, like, there's an electronic box that deals the cards?
- Some of the casinos that are operating electronic table games, just a few, are close relatives there:
- And the last thing I will say is the electronic table games cannot Be a play against the machine.
Summary:
The State Government and Tribal Relations Committee held a public hearing on July 10 at 8:30 a.m. on a proposed amendment to the Lummi Nation’s tribal-state gaming compact. Washington State Gambling Commission Director Tina Griffin and Tribal Relations Advisor Johnny Bray outlined the compact process under the Indian Gaming Regulatory Act and explained that the amendment had reached tentative agreement after negotiations with the Lummi Nation. Lummi Vice Chair Terence Adams and Councilperson Vindeen Washington described the amendment as the tribe’s sixth compact amendment and said it would expand gaming opportunities while supporting tribal governmental services, infrastructure, and jobs.
The main changes discussed were authorization for electronic table games, extension of credit to customers, higher wagering limits, and the possibility of a second gaming facility. Committee members asked several questions about how credit limits would be set, how electronic table games work, whether online gaming was included, and how the systems would be tested and monitored. Witnesses said online gaming is not authorized by this amendment, that electronic table games must be certified by an independent lab and tested under state-tribal procedures, and that higher-limit tables could go up to $5,000 with no more than 25% of tables at those limits. Lummi representatives said credit policies would be developed responsibly after approval and that the tribe already uses strong internal controls.
The Gambling Commission said seven tribes currently operate electronic table games and 13 tribes have adopted the limitations appendix related to credit and wager limits. The hearing was informational and part of the required public review before the commission’s later vote that morning on whether to forward the amendment to the governor or send it back for further negotiations. No vote was taken by the committee during this hearing, and the chair closed the meeting after thanking the presenters.
MN
Minnesota 2025-2026 Regular Session
Prohibition on operating a vehicle while an electronic display is visible to the operator 2/25/26
Minnesota House Floor Meeting
Transcript Highlights:
- House File 3241 updates the language to read display of electronic content.
- If we think back over the evolution of the connection with the human and our electronic devices.
- Um, you know, first electronic devices.
- There is much more electronic devices.
- device and what is being done electronic device and what is being done with<00:14:54.720>
it.
ND
North Dakota 2025-2026 Regular Session
House Floor Session Apr 7th, 2025 at 01:00 pm
North Dakota House Floor Meeting
Transcript Highlights:
- Two, this bill mandates that students are physically separated from their electronics.
- Three, it also bans personal electronic devices from being used for the entire school day.
- Two, this bill mandates that students are physically separated from their electronics.
- Three, it also bans personal electronic devices from being used for the entire school day.
- It says, requires all personal electronic communication devices be silenced, and then it says, or.
Summary:
The North Dakota House convened with prayer, roll call, and recognition of guests and student visitors, then moved through a long calendar of resolutions and bills. Early in the session, members honored Mandan High School’s e-sports team for state championships and recognized House Minority Leader Zachary Ista’s birthday. The House then passed HCR 3037 unanimously, urging mandatory reporting requirements for public officials, after committee support and remarks emphasizing accountability in public office.
The chamber then considered numerous Senate amendments and final-passage votes on bills covering ambulance service grants (HB 1597), Public Service Commission records and open meetings (HB 1110 and HB 1063), squatter/trespass law (HB 1305), nonconforming structures in local governments (HB 1500), academic tenure policy (HB 1437), retirement eligibility for correctional officers and state radio dispatchers (HB 1274 and HB 1419), a Medicaid dental study (HB 1567), above-ground fuel storage tank regulation (HB 1058), gaming site authorization procedures (HB 1615), an oil extraction tax incentive outside the Bakken and Three Forks formations (HB 1483), and simple assault protections for hospital workers (HB 1341). Most of these measures passed, though HB 1231, which would have created a study on early discontinuation of sex offender registration, failed on final passage.
A major point of debate was Senate Bill 2354, which would restrict student use of personal electronic devices during the school day in public and nonpublic schools, with exceptions for medical and special education needs and annual reporting on impacts. Supporters argued it would improve focus, behavior, and mental health, while opponents raised concerns about private-school regulation, logistics, liability, and duplication with a similar bill. The House passed SB 2354, and also passed SB 2112, which temporarily authorizes the Life Skills and Transition Center to serve certain non-eligible youth in crisis, despite objections that the facility should remain focused on developmental disabilities and concerns about repeating past institutional problems. The House also debated and rejected HB 1300 on legislative term limits after extensive discussion about whether the Senate’s date change altered the effect of the voter-approved measure. The session ended with announcements, committee notices, and adjournment until April 8, 2025.
NH
New Hampshire 2025 Regular Session
House Judiciary (01/22/2025)
Transcript Highlights:
- , I already have the right to get them electronically if they exist electronically.
- electronically, and the person asks for them electronically, you have to give them electronically.
- have the right to get them electronically if they exist electronically.
- them electronically, and the person asks for them electronically, you have to give them electronically
- , and the person asks for them electronically, you have to give them electronically.
Summary:
The Judiciary Committee opened its hearing with a procedural discussion about a forthcoming Monday hearing, and the chair confirmed that any amendment deemed non-germane would be made public in advance and included in the calendar. The committee then took up House Bill 6, which would replace the word “citizen” in the Right-to-Know law with “any person,” allow requesters to specify the format of records, and expressly reference preliminary drafts circulated to a quorum or majority of a public body as disclosable material. The sponsor said the bill was intended to clarify existing law, remove uncertainty after a Rochester-related dispute over requester eligibility, and make records easier to obtain electronically unless doing so would be impossible, unusual, unduly burdensome, or harmful to recordkeeping integrity.
Testimony was mixed. Cordell Johnston, speaking for himself as a municipal attorney, opposed most of the bill, especially the requirement that records be delivered electronically or by mail, arguing that out-of-state or out-of-country requests can be fishing expeditions that impose significant burdens on towns and clerks. He said local residents already can obtain records at town hall and that many municipalities voluntarily email records as a courtesy, but should not be required to mail large volumes of material. He also said the preliminary-draft language was unnecessary because such drafts are already covered when circulated to a quorum or majority. Representative Alexander raised concerns about the breadth of “any person,” potential abuse by bad actors, and the cost to municipalities, while Representative Peternell asked about whether the bill should account for nonresident property owners and business owners. The sponsor responded that limiting requesters by residency would not meaningfully stop abuse and said he did not know the bill’s fiscal impact, though he suggested it might improve efficiency.
Yil Biset of the ACLU of New Hampshire testified in support of HB 6, calling it a modest and reasonable transparency measure. He said the preliminary-draft language was acceptable and consistent with existing exemption language in the public-meeting and documents statutes, and he said he was not aware of foreign-bot document requests occurring in New Hampshire. He also noted that current law already requires electronic disclosure when records exist electronically and can reasonably be provided that way. No vote or final committee action was taken in the portion of the meeting provided.
WY
Wyoming 2026 Regular Session
House Corporations, Elections & Political Subdivisions, February 18, 2026
Corporations, Elections & Political Subdivisions
Transcript Highlights:
- And then the electronic signature on page 11, in relation to electronic signatures and the Global and
- This allows for an electronic signature, which is a good thing, I think.
- <00:12:35.519>
signatures, is it allows for electronic signatures, is it allows for electronic - :23.600>
to <00:15:23.920>electronic page 11 relation to electronic page 11 relation to - >
um electronic signature which um electronic signature which um is<00:15:37.040>a <00:
Keywords:
elections, Wyoming House of Representatives, state representatives, multi-member districts, county-based districts, party list voting, list voting, proportional representation, Jefferson method, greatest divisors method, ranked choice voting, RCV, primary elections, party conventions, minor parties, major parties, ballot design, apportionment, redistricting, nomination procedures
MN
Transcript Highlights:
- party from printing the electronic party from printing the electronic receipt<00:42:22.400>
and - It can become paper, but it must be first generated electronically.
- <00:47:00.400>
receipt again is print the El electronic receipt again is print the El electronic - Revenue in an electronic Revenue in an electronic format<00:47:14.119>
um <00:47:15.160>- In both of those, the form will change, and the electronic version will change.
MN
Minnesota 2025-2026 Regular Session
Committee on Commerce and Consumer Protection - 04/01/25
Commerce and Consumer Protection
Transcript Highlights:
- basically when you bought an electronic basically when you bought an electronic device<01:22:34.159
- We are an industry ... 89,000 lb of electronics and experien 89,000 lb of electronics and experien two
- comprehensive consumer electronics comprehensive consumer electronics recycling<01:48:53.239>
- country as a manufacturer of electronics country as a manufacturer of electronics we<01:49:06.920
- to collect end of life Electronics to collect end of life Electronics however<01:49:25.719>
this
FL
Florida 2025 Regular Session
Health Policy Mar 25th, 2025
Transcript Highlights:
- Ask everybody to please silence your electronic devices.
- You can still shop the electronic. >> One follow-up, you're recognized.
- You can't send for electronic scripts out. That would be bad.
- Many providers use electronic medical record systems.
- electronic format, including Web portals and submission to pay to patients electronic personal health
ND
North Dakota 2026 1st Special Session
Health Care Committee Feb 12th, 2026 at 09:30 am
Transcript Highlights:
- But before we do that, you know, the way we define electronic versus non-electronic, you can see.
- And then you can see electronic, non-electronic there is fax, mail, and phone.
- Even though some of those documents are submitted electronically, we still consider those as being non-electronic
- In terms of electronic, 90% of the bigger hospitals in the state are submitting their prior auths electronically
- where we have to send them non-electronically.
Summary:
The committee met to review the history and current treatment of North Dakota health insurance mandates, with presentations from Blue Cross Blue Shield of North Dakota, Sanford Health Plan, the Public Employees Retirement System (PERS), and the Insurance Department. The discussion focused on how mandates apply differently to fully insured, self-funded, ACA, Medicaid, and PERS plans; how the state’s benchmark plan and federal essential health benefits affect coverage; and how the existing process requires cost-benefit analysis and, for certain measures, a PERS pilot period before broader application. Presenters also reviewed the long list of existing state mandates, including provider, beneficiary, and coverage requirements, and noted that many were enacted decades ago and have not been revisited despite changes in medical evidence and treatment options.
Witnesses from the carriers argued that mandates should be reviewed periodically because some are outdated, can create unintended costs, and may not align with current medical guidance. Examples cited included PSA screening, off-label drug coverage, prior authorization rules, step therapy, and cost-sharing provisions for mental health and substance use treatment. They emphasized that carriers often cover services without a mandate when supported by clinical evidence, and that mandates can shift costs to employers and employees, especially in the fully insured small-group market. They also suggested possible policy improvements such as clearer mandate definitions, better transparency around cost-benefit analyses, a regular 10-year review of mandates, and more timely submission of proposals through the interim process.
PERS and the Insurance Department highlighted a recurring tension over what counts as a mandate and when a measure triggers the state’s defrayal obligation under federal law. PERS described its interim committee process, the April 1 deadline for fiscal-impact proposals, and the limited pilot program used for certain measures, noting that only a few bills have gone through the full pilot process. The Insurance Department explained that it views new benefit mandates through the lens of the ACA benchmark plan and essential health benefits, distinguishing true new benefits, such as infertility coverage, from changes to existing benefits, such as telehealth or insulin cost-sharing caps. No votes were taken on policy changes; the meeting was informational, with members asking questions about costs, applicability, transparency, and whether a periodic mandate review should be established.
NH
New Hampshire 2025 Regular Session
House Finance Division I (03/05/2025)
Transcript Highlights:
- If it is available electronically, then they have to provide it electronically.
- If it is available electronically, then they have to provide it electronically.
- If it is available electronically, then they have to provide it electronically.
- If it is available electronically, then they have to provide it electronically.
- If it is available electronically, then they have to provide it electronically.
Summary:
The committee took up House Bill 2 retirement provisions, focusing on Group Two/Tier B changes in pages 25-39. Jan Goodwin of the New Hampshire Retirement System and deputy chief counsel Mark Kavanaugh explained that the 2025 bill is largely similar to prior versions, but it restores certain pre-2011 benefit rules for Tier B members, including changes to average final compensation and earnable compensation, and it also addresses the annuity multiplier for years of service. Members discussed the tier structure, with Tier A referring to vested members, Tier B to those hired before 11/1/12 who were not vested, and Tier C to later hires. Several members expressed concern that the bill’s purpose was to restore Tier B benefits, not to change Tier A rules or create broader changes affecting newer hires.
The retirement system flagged two likely drafting problems. First, it said a provision appears to omit a special-duty/earnable-compensation limitation in the Group Two section, which they believed was a scrivener’s error caused by moving language out of the Group One definition without adding it back for Group Two. Second, they noted the bill’s multiplier language overlaps with changes already enacted in HB 1647, which increased the multiplier for service beyond 15 years for Group Two and carried an estimated $26 million cost. The committee discussed that HB 1647 was originally broader in the House, but the Senate narrowed it to Tier B only.
The actuary’s comparison of the 2023 and 2025 HB 2 versions showed the bills are close, but the 2025 version differs in funding and timing. Staff said the 2025 bill appropriates $2.5 million more per year for 10 years, and that, together with updated actuarial assumptions and a larger share of the affected tier having already retired or otherwise left service, results in a larger reduction in unfunded liability than the 2023 bill: about $98.2 million versus $68.5 million. Employer contribution impacts were described as small overall, though the 2025 bill was said to be somewhat more favorable than the 2023 version. Members also questioned why House Bill 1 only funds $5 million in the first year, and staff said that was tied to the governor’s revenue estimate and that the full funding does not begin immediately. No votes were taken in the portion provided; the committee mainly received testimony, asked clarifying questions, and noted that some issues would be addressed in the fiscal note worksheet.