Transcript Highlights:

• the insurance<00:17:22.199><c> department,</c> insurance department, insurance department, it<00:17:
• “Well, I’m Emily Doherty with the Insurance Department, Department of Legal Counsel.
• <01:21:51.480><c> Department,</c> Insurance Department, Insurance Department, Department<01:21:52.800
• I presume the Insurance Department would defend the actions of the legislature.
• it to the insurance department is a conflict of interest to the insurance department.

Committee: House Commerce and Consumer Affairs

Keywords: 1189, house, all

Transcript Highlights:

• ><c> here</c> the insurance department person is here the insurance department person is here also<00
• Hi, I'm Michelle He, and I'm the director of Life and Health at the New Hampshire Insurance Department
• We participated at the beginning of the... uh, we asked for, at the end of last year, the Insurance Department
• We participated at the beginning of the... uh, we asked for, at the end of last year, the Insurance Department
• But we could host the insurance department; they can host some kind of Q&A session if people want to

Keywords: 928, house, all

Summary: The subcommittee discussed three ambulance reimbursement bills and tried to distinguish their approaches. House Bill 185 would require insurers to pay the full amount billed by an ambulance provider when there is no contract rate, with no balance billing to the patient; the Insurance Department clarified that emergency ambulance services are already covered under the benchmark plan, so the bill’s reference to policies without ambulance coverage is effectively meaningless. House Bill 725 would set reimbursement at 325% of the Medicare rate for non-contract ambulance services and prohibit balance billing. House Bill 316 was described as addressing the broader problem that Medicare/Medicaid rates are low and that current balance billing shifts costs to patients or municipalities; its sponsor said the bill would require insurers to pay a rate that gives providers a fighting chance to remain in business, and he viewed 325% of Medicare as the most logical option. Members debated whether insurers should pay the billed amount, a negotiated in-network rate, or a regulated percentage of Medicare. Some argued that out-of-network ambulance providers are underpaid and that in-network rates are often too low to sustain service, especially for emergency providers who cannot steer patients. Others said ambulance companies should not be able to bill whatever they want and questioned the fairness of charging insured patients or insurers more than the service is worth. There was also discussion of whether rate schedules should be reviewed by an oversight body and whether different costs in rural areas justify different reimbursement levels. A recurring issue was balance billing and who ultimately bears the shortfall. Several members said balance billing harms patients and often does not get paid, leaving cities and towns or property taxpayers to cover the difference for municipal ambulance services. Others argued that shifting the cost to insurance premiums would spread the burden more fairly, though it could raise premiums by a few dollars per person per month. No vote or final action was taken in the excerpt; the discussion focused on clarifying the bills and weighing their policy tradeoffs.

Transcript Highlights:

• Franco Pelka, Louisiana Department of Insurance. So it is a simple amendment.
• Frank O'Pelke, we heard from with the Department of Insurance.
• Frank O'Pelke, we heard from with the Department of Insurance.
• What this legislation does is a compromise between the insurers and the Department of Insurance to set
• Frank O'Pelka, Louisiana Department of Insurance.

Committee: House Insurance

Summary: The House Insurance Committee met on May 12 with a quorum present and first took up Senate Bill 341, which would expand the Louisiana churches and nonprofit religious organizations self-insured fund from property-only coverage to broader commercial coverage, including liability, contents, wind and hail, and loss-of-use protections. The sponsor and Department of Insurance said the bill was the product of agreement among the parties and was intended to help churches and nonprofits, including smaller congregations, obtain affordable coverage. After adopting technical amendments, the committee reported SB 341 as amended without objection. The committee then considered Senate Bill 509 on bank-owned life insurance (BOLI), which would clarify insurable interest and allow exchanges of underperforming policies. The sponsor, industry representatives, and the Department of Insurance discussed how banks use these policies for employee benefit funding, the role of 1035 exchanges, consent requirements, and concerns about federal tax issues and state insurable-interest language. Because the parties were still working toward a solution, the committee adopted a technical amendment but voluntarily deferred SB 509 until the following week. Finally, the committee heard Senate Bill 464 on coverage for severe obesity treatment, which would create a framework for partially implementing the bariatric surgery mandate based on available appropriations. The sponsor and the Department of Insurance said the bill would let the state cover a proportional share of expected surgeries if only part of the required funding is provided. The committee reported SB 464 favorably without objection, and then adjourned.

Transcript Highlights:

• And the Department of Insurance also regulates the Fair Plan.
• All of that has to be filed and approved by the Department of Insurance.
• with the California Department of Insurance.
• and the Department of Insurance on.
• the board to the department of insurance.

Summary: The Assembly Insurance Committee held an oversight hearing on the California Fair Plan, focused on the plan’s rapid growth, its financial stability after the January Southern California wildfires, and its role as the insurer of last resort. Fair Plan officials explained that the plan was created in 1968, is a not-for-profit involuntary association of licensed property insurers, and is intended to be a temporary safety net until policyholders can return to the admitted market. They emphasized that the plan is not a state agency or taxpayer-funded, but is regulated by the Department of Insurance and supported by member-company assessments if claims exceed available funds. Victoria Roach and Armand Feliciano said the Fair Plan has grown sharply since 2018 and especially after market pullbacks by major insurers, reaching about 575,000 policies and roughly $600 billion in exposure by spring 2025. They noted that growth is increasingly occurring in lower wildfire-risk areas, where the plan can sometimes be cheaper than the voluntary market, and said this undermines depopulation back into the private market. They also discussed recent policy expansions, including coverage for farms, higher residential and commercial limits, and pending or proposed changes such as AB 290, SB 525, and AB 226, which would add tools like a line of credit and bond access. A major portion of the hearing addressed the January wildfire losses and the plan’s financial response. Fair Plan officials said they assessed member insurers for $1 billion after determining claims and cash flow would exceed available resources, and that the process was approved quickly and paid smoothly, with more than 80% of the assessment collected within 10 days. They also described the reinsurance tower, the plan’s limited surplus, and the need for actuarially sound rates to reduce future reliance on assessments. On claims handling, they said the plan has received over 5,500 claims from the fires, has paid more than $2.9 billion so far, expects total payments near $4 billion, and has focused on advancing payments quickly for total losses and other urgent needs. Members questioned the plan’s solvency, the growth in non-wildfire areas, claim denials, smoke-loss coverage, and how depopulation works. Roach said most closed claims without payment were duplicates rather than denials, and that smoke claims require direct physical loss under the policy, with coverage determined case by case. Public commenters from the California Building Industry Association and the Independent Insurance Agents and Brokers of California said the Fair Plan’s growth reflects a weak voluntary market, inadequate rates, and insurer fear of future assessments, and urged support for rate increases and AB 226. The hearing concluded with no vote, but with a commitment from Fair Plan officials to follow up on unanswered questions and continue providing more transparency through public data and website disclosures.

Transcript Highlights:

• The Department of Commerce and Insurance may promulgate all necessary rules and regulations for administration
• We support this language to encourage, or to require actually, the Department of Commerce and Insurance
• And when the director of the Department of Commerce and Insurance steps in to protect consumers and liquidates
• The Department of Insurance does a financial examination on us every five years to make sure that we
• We're overseen like an insurance company. We're regulated by the Department of Insurance.

Committee: House Insurance

Keywords: 959, house, all

Transcript Highlights:

• of Insurance.
• Mike Peterson, I serve as Senior Deputy for the California Department of Insurance.
• Chairman, be at the Department of Insurance in 2018, when SB 824, authored by then Senator, pre-insurance
• It was a negotiation between the industry, the Department of Insurance, and some of the individuals here
• It was a bill sponsored in 2018 by the Department of Insurance and the then-insurance commissioner, and

Summary: The Senate Committee on Insurance met as a subcommittee due to a lack of quorum and heard AB 1559 by Assemblymember Calderon, which would require insurers to give homeowners notice before collecting aerial images, provide copies of any images used, and ensure images used for nonrenewal or cancellation are current enough to allow an in-person inspection request. The Department of Insurance and United Policyholders supported the bill, saying consumers are often blindsided by decisions based on outdated or inaccurate drone, satellite, or aircraft images. Several local government and consumer groups also supported it, and there was no opposition. The committee later approved AB 1559 on a 6-0 vote and sent it to the Privacy Committee. The committee also heard AB 2038 by Assemblymember Harabedian, which would extend wildfire-related nonrenewal moratoriums for homeowners, including an additional year for homes within fire perimeters and adjacent zip codes. Supporters, including the Consumer Federation of California, United Policyholders, and local government groups, argued that rebuilding after major fires takes much longer than current protections assume and that the bill would help keep survivors insured while they rebuild. Opponents from the insurance industry warned the bill would further constrain insurers, worsen market instability, and shift costs and availability problems to other policyholders, especially because the bill extends protections to adjacent zip codes that may not have been directly damaged. Committee members raised concerns about the zip code approach and possible impacts on the broader market, but the author said the bill simply extends existing SB 824 timelines and that discussions on amendments would continue. The committee passed AB 2038 on a 4-0 vote and sent it to Appropriations. File items 1 and 3 were consent items and were approved without opposition on a 6-0 vote. The committee then adjourned.

Transcript Highlights:

• We support this language to encourage, or to require actually, the Department of Commerce and Insurance
• Finally, House Bill 3314 will give the Department of Commerce and Insurance additional tools to facilitate
• She added that when the director of the Department of Commerce and Insurance steps in to protect consumers
• The Department of Insurance does a financial examination on us every five years to make sure that we
• We're overseen like an insurance company. We're regulated by the Department of Insurance.

Committee: House Insurance and Banking

Summary: The Committee for Insurance met with a quorum and first took up three bills in executive session. House Bill 2902 was amended with a committee substitute that removed the commission language while keeping provisions on software and key-emulating devices, and members confirmed it still included a Class D felony penalty. The committee adopted the substitute and voted the bill do pass, with one member voting no. House Bill 1789, dealing with delivery network companies and insurance coverage during the delivery availability period, was also amended and adopted; the substitute clarified that the availability period is not commercial activity and that auto insurance applies until a driver is actually engaged in delivery. The committee then voted the bill do pass, with one no vote and one present. House Bill 1647 was amended to remove it from the collateral source rule section and clarify that it applies only to civil actions for damages and property claims; the substitute was adopted and the bill voted do pass, with several no votes recorded. The committee then held a public hearing on House Bill 1894, which would implement federal nondiscrimination requirements for licensed health care providers in Missouri insurance law. The sponsor said the bill is about patient choice, fairness, and access, especially in rural areas, and does not expand scope of practice or require coverage of new services. Supporters from chiropractic, nursing, occupational therapy, podiatry, and nurse anesthetist groups said the bill would ensure equal reimbursement for the same covered services and improve access to local providers. Opponents from the insurance industry argued the bill would interfere with network design, reduce negotiating leverage, and require equal payment regardless of provider type or credentials; they also said current federal law already governs network adequacy and that the bill’s rulemaking language was standard but the reimbursement mandate was the main concern. The committee also heard House Bill 3314, which updates Missouri’s insurance guaranty association laws. The sponsor and supporters explained that the bill would clarify coverage for cyber policies, ensure coverage follows the policyholder in insurance business transfer or corporate division transactions, and allow limited pre-liquidation information sharing from the Department of Commerce and Insurance to guaranty associations so claims can be handled faster after insolvency. Witnesses said the bill is technical and intended to modernize the system without expanding coverage or increasing taxpayer exposure. Members asked about the $300,000 property and casualty claims cap, the definition of high-net-worth individual, oversight of guaranty associations, and confidentiality concerns; supporters said the cap is longstanding, high-net-worth means over $25 million, and the department’s existing oversight and confidentiality protections are sufficient. The hearing closed after a final supportive statement from the Missouri Insurance Coalition, and the committee adjourned.

Transcript Highlights:

• Franco Pelka, Louisiana Department of Insurance. So it is a simple amendment.
• Frank O'Pelke, we heard from with the Department of Insurance.
• Frank O'Pelke, we heard from with the Department of Insurance.
• What this legislation does is a compromise between the insurers and the Department of Insurance to set
• Frank O'Pelka, Louisiana Department of Insurance.

Committee: House Insurance

Keywords: 965, house, all

Transcript Highlights:

• Lastly, the Department of Revenue will consult with the Office of the Insurance Commissioner in the administration
• I mean, there are a lot of people who do business with an insurer, and so it is very hard for the department
• I mean, there are a lot of people who do business with an insurer, and so it is very hard for the department
• Association of Mutual Insurance Companies.
• business of insurance activities.

Summary: The Ways and Means Committee held its last scheduled public hearing of the year on March 9, 2026, taking testimony on House Bill 2487, Substitute House Bill 2689, and Engrossed House Bill 2681. For HB 2487, staff and the Department of Revenue explained that the bill would narrow a B&O tax exemption for insurance-related businesses after a 2024 Supreme Court decision, make several related changes including annuity and assigned risk plan exemptions, adjust the advanced computing surcharge threshold for certain affiliated groups, and allow a penalties-and-interest waiver with a repayment plan. DOR supported the bill as clarifying the original intent and preventing double taxation, while insurers and health plan groups opposed it, arguing it would create higher costs, retroactive tax liability, and uncertainty; consumer and policy groups testified in support, saying it closes a loophole and restores the intended tax structure. Committee members questioned the retroactivity, the number of affected businesses, and the fiscal estimates, and the chair reminded members that amendment requests were due by noon for the next day’s executive session. For Substitute HB 2689, staff described changes to the Working Connections Child Care program that would keep income eligibility at 60% of state median income, reduce future rate-setting from the 85th to the 75th percentile, block enhanced rates for certain cross-region providers, cancel the planned move to enrollment-based prospective payments, revise attendance-based reimbursement to a full month for absences of 10 days or fewer and half-month for longer absences, and require a 65% market survey response rate for validity. The fiscal note projected substantial savings, offset by implementation and staffing costs. SEIU 925 and Head Start representatives supported the simpler House approach to attendance billing but raised concerns about the new survey threshold and the risk of increased audits and provider burden; they also noted an amendment under discussion to address the 2026 survey issue. Committee questions focused on how a full month is defined under the attendance rules. For HB 2681, staff said the bill would raise annual issuance and renewal fees for cannabis producer, processor, and retail licenses by $400, generating about $866,000 per year for the dedicated cannabis account with minimal administrative cost. No one signed up to testify, and the chair closed the hearing without a vote on any of the bills. The chair also thanked committee staff for their work and reiterated that amendments for the heard bills were due by noon that day.

Transcript Highlights:

• </c><00:38:22.920><c> of</c> Duckworth, the uh, Department of Duckworth, the uh, Department of Commerce
• </c> Department of Health. Department of Health.
• of health insurance.
• </c> Are cost of health insurance too high? Are cost of health insurance too high?
• </c> the cost of insurance. the cost of insurance.

Committee: Senate Commerce and Consumer Protection

Keywords: 1187, senate, all

Transcript Highlights:

• Salvador Cruz as director of the Department of Finance.
• Timely communications and continued collaboration with the Idaho Department of Insurance and the Idaho
• I want to thank Director Cameron and the Idaho Department of Insurance for their continued work on the
• It's my pleasure to be here in front of you today to present the Department of Insurance rules docket
• For the record, my name is Wes Trexler, Deputy Director, Idaho Department of Insurance.

Summary: Senate Commerce first took up three gubernatorial appointments and sent all three to the Senate floor with recommendations for confirmation: Salvador Cruz as director of the Department of Finance, Nora Carpenter to the Idaho Health Insurance Exchange Board, and Gregory Donica to the same board. Each motion passed without opposition. The committee then received an annual update from Pat Kelly, executive director of Your Health Idaho. He reported record enrollment activity, including more than 139,000 selections in open enrollment 2025 and over 144,000 in open enrollment 2026, with most enrollees receiving tax credits and many working with agents or brokers. Kelly said the exchange remains financially self-sustaining, has low operating costs, and achieved strong customer satisfaction scores. Members asked about rising premiums, the shift toward bronze plans, and enrollment timing; Kelly and later Insurance Director Dean Cameron said Idaho premiums remain among the lowest nationally, helped by the 1332 reinsurance waiver, though affordability concerns are increasing. The committee also reviewed and approved one Department of Commerce pending rule docket and several Department of Insurance rule dockets under zero-based regulation. The Commerce rulemaking was described as a non-substantive cleanup that removed obsolete language, aligned definitions, and adjusted some grant limits, including the Idaho GEM grant program. Insurance rule changes similarly focused on simplifying, clarifying, and removing duplicative statutory language across self-funded plans, long-term care insurance, small employer and individual health insurance, coordination of benefits, short-term health insurance, and managing general agents. The most notable policy-related change was the short-term health insurance docket, which was approved with an effective date upon adjournment to avoid a gap after a temporary rule expires; all dockets were approved unanimously.

Transcript Highlights:

• of the Department of by written notice of the Department of Safety<00:14:23.639><c> so</c><00:14:23.800
• I know that there are a number of folks here from the Insurance Department who I think could speak to
• I know that there are a number of folks here from the Insurance Department who I think could speak to
• Benton-Court, Commissioner of the New Hampshire Insurance Department.
• </c> “Okay, and then we have the insurance department review of the amendment.”

Keywords: 928, house, all

Summary: The committee heard testimony on HB 733-FN, a bill concerning third-party litigation financing (TPLF). Representative Cole, the prime sponsor, described TPLF as outside investors funding lawsuits in which they have no personal stake, arguing that the practice is largely unregulated, can involve foreign entities, increases litigation abuse, and contributes to higher insurance and consumer costs. He said the bill is modeled on an NCOIL proposal and would require disclosure of TPLF agreements, with guardrails and reporting requirements on specified pages of the bill. He also noted a couple of drafting fixes, including adding the word “knowingly” and incorporating a missing section later. Members raised questions about the bill’s foreign-entity language, especially the provision allowing a governor or the Department of Safety to designate a country as a threat to critical infrastructure. Representative Cole said he would have lawyers review that issue. Another member asked whether the bill would prohibit a party from obtaining outside funding for a lawsuit; Cole clarified that the bill is intended as a reporting measure, not a ban, and that disclosure would be required. He also said the bill is aimed at American citizens rather than foreign-backed financing, and that some states had considered caps on such arrangements, though this bill does not. Brandon Gratz of the Attorney General’s office testified that the enforcement language appears too limited, because it would allow only civil penalties and not broader Consumer Protection Act remedies such as injunctions or restitution. He suggested the Attorney General may not have meaningful authority under the bill as written and raised possible insurance-law issues. Commissioner D.J. Benton-Court of the Insurance Department said the disclosure could help insurers better assess risk and potentially soften the hard insurance market by improving transparency, competition, underwriting, innovation, and claims management. He also said the bill likely needs further work on jurisdiction and enforcement, and that the committee may need to coordinate with the Attorney General, Insurance Department, and possibly banking regulators. No vote was taken in the portion provided.

Transcript Highlights:

• The Department of Commerce and Insurance may promulgate all necessary rules and regulations for administration
• We support this language to encourage, or to require actually, the Department of Commerce and Insurance
• And when the director of the Department of Commerce and Insurance steps in to protect consumers and liquidates
• The Department of Insurance does a financial examination on us every five years to make sure that we
• We're overseen like an insurance company. We're regulated by the Department of Insurance.

Committee: House Insurance

Keywords: 959, house, all

Transcript Highlights:

• In fact, the department this age group most frequently contacts is the Department of Health and Senior
• So this is allowing the Department of Health and Senior Services, as well as the Department of Mental
• Again, the department can speak more about the specific plan of action on the other side of the multidisciplinary
• I'm here this morning on behalf of the Missouri Department of Health and Senior Services to find support
• Today I also have with me... ...on behalf of the Missouri Department of Health and Senior Services to

Committee: House Health and Mental Health

Keywords: 959, house, all

Transcript Highlights:

• They go to the Department of Labor to collect unemployment insurance, and they're told you can't, you're
• They enjoy that model and role, and of course our New Jersey Insurance Department has supervised this
• Insurance producers will still remain fully licensed and regulated by the Department of Banking and Insurance
• Insurance producers will still remain fully licensed and regulated by the Department of Banking and Insurance
• With the Department of Labor, we were assured that insurance and financial services providers are not

Committee: Senate Senate Budget and Appropriations

Keywords: 1146, all

Transcript Highlights:

• It clarifies the roles of the city and the Department of Revenue, who has to administer these taxes.
• For the record, Chris Bandoli, here on behalf of the National Association of Insurance and Financial
• So the self-funded insurers would, of necessity, not bear this because they're not paying insurance;
• Insurers have long supported premium taxes to support the regulation of the insurance industry.
• Also other because of a concern of the potential of insurance carriers passing this on to consumers.

Summary: House Finance heard several bills and took no recorded votes. HB 2367 would end special tax and emissions exemptions for the Centralia coal plant by limiting its Climate Commitment Act exemption to pre-2026 emissions, removing limits on additional greenhouse gas requirements, and repealing coal sales and use tax exemptions. The sponsor, Rep. Fitzgibbon, said the bill would help keep the plant’s transition to cleaner natural gas generation on track; Climate Solutions supported it, while business and clean-energy groups raised concerns about allowance-market impacts and asked for amendments to adjust the cap-and-invest allowance budget. HB 1974 would authorize public housing authorities, public corporations, and nonprofits to operate as land banks for affordable housing, give them priority for tax-foreclosed properties, and provide property tax, leasehold excise tax, and REET exemptions for land bank transactions. Rep. Hill said the bill was narrowed to reduce fiscal impact and support existing land banking work in Spokane; supporters said it would lower land costs and speed affordable housing development, while questions focused on how public land would be used and whether affordability should be permanent rather than limited to 30 years. HB 2650, a Department of Revenue request, would standardize notice and effective dates for local REET and lodging tax changes and clarify documentation for an affordable housing sales tax deferral. DOR supported the bill as an administrative efficiency measure, and there was no opposition testimony. HB 2626 would raise the premium tax on health maintenance organizations, health care service contractors, and self-funded multiple employer welfare arrangements from 2% to 3%, remove a dentistry-related exemption, and add a new 1% tax on certain disability and group stop-loss insurers. The sponsor said the bill is intended to help fund Apple Health and subsidies amid federal funding concerns; insurers and business groups opposed it as a cost increase likely to be passed on to consumers and employers, while patient and advocacy groups supported the revenue idea but urged that funds be dedicated to subsidies or other health care supports and that pass-through to consumers be prevented.

Transcript Highlights:

• This would be creating a new division within the insurance department.
• The intent of that area was to avoid a step that we talked about with the insurance department: if the
• I'm General Counsel for the Insurance Department. So, yes, this bill was not a department bill.
• with providing some of the funding that department would need, as well as keeping the Board of Pharmacy
• And of course, we'll establish the same process for the purposes of transfer funds over to the insurance

Committee: Senate Industry and Business

Keywords: 908, all

Summary: The Senate Committee on Industry and Business reconvened to work on House Bill 1584, which would create a new pharmacy benefit manager (PBM) regulatory structure within the Insurance Department. Insurance Commissioner John Godfrey and Deputy Commissioner John Arnold explained a revised set of amendments negotiated with Representative Casper and the North Dakota Pharmacists Association. They said the bill largely kept the House policy intact but added technical corrections, narrowed some references in Chapter 19-02, created a separate PBM licensing class, set a delayed effective date for licensing, and established emergency authority so the department could begin building the new division. They also described the proposal to fund the program through existing trust fund resources, PBM license fees, and a transfer of about $1.6 million from the prescription drug transparency program fund, while allowing the department flexibility to hire needed attorneys, pharmacists, and examiners. A major point of discussion was Section 10, which would have required the Attorney General to represent and bear costs for lawsuits related to the bill. Chief Deputy Attorney General Claire Ness said the language was too broad and would go beyond normal constitutional defense work, potentially obligating her office to cover all lawsuits against the commissioner or state under the section. Representative Casper said the intent was only to avoid the Insurance Department having to seek emergency funding for litigation, and both he and department officials said they were open to removing the section or narrowing it. After further discussion, the committee agreed to remove Section 10 from the amendments. The committee then voted 4-0 to adopt the amended amendment package, and then voted 4-0 to give House Bill 1584 a do pass recommendation as amended and refer it to Appropriations. Members noted the bill was still a work in progress, but said the revised version was intended to move the PBM regulation issue forward while continuing discussion in the appropriations process.

Transcript Highlights:

• I also have Kennedy Cook here from the Department of Transportation, I'm the Department of Insurance.
• Yes, so the religious exemption is outside of the scope of the Department of Insurance.
• Kennedy Cook again on behalf of the Department of Insurance.
• Again, on behalf of the Department of Insurance.
• Cook again on behalf of the Department of Insurance.

Committee: House Economic Development/Banking/Insurance & Commerce

Summary: The committee met with roll call attendance and took up two bills. First was Senate Bill 315 with Senate Amendment 1, which would allow the Division of Small Business to add state funding to existing federal small business programs, including the Small Business Innovation Research and Small Business Technology Transfer programs. There was brief public support from one in-person commenter, no virtual comment, and the committee voted to release the bill, though it did not yet have enough signatures for immediate release and was left open for absent members to sign. The second item was Senate Substitute 1 for Senate Bill 319, a women’s health insurance mandate requiring coverage for medically necessary menopause and perimenopause diagnostic and treatment services, including FDA-approved hormone replacement therapy, pelvic floor therapy, and related care. Representative Smith presented the bill as a response to gaps in menopause care and insurance coverage, and Department of Insurance witness Kennedy Cook explained the religious exemption as applying to certain religious employers and blanket health policies. Committee members asked about the scope of that exemption, and some expressed concern about religious carveouts, while others praised the bill as important women’s health legislation. During public comment, one speaker supported the bill but warned that expanding mandatory health benefits can raise insurance costs. The Department of Insurance then testified in support, saying the bill would align Delaware with other states, many insurers already comply, and the department did not expect a meaningful premium impact. The committee voted to release Senate Substitute 1 for Senate Bill 319 from committee.

Transcript Highlights:

• </c><00:52:30.160><c> of</c><00:52:30.400><c> Insurance</c> Thank you to the Department of Insurance
• of State to the Department of Insurance?
• The difference between the Secretary of State's office and the Department of Insurance is, as I just
• </c><01:00:55.119><c> the</c> Department of Insurance plans that the Department of Insurance plans that
• of insurance is as I just department of insurance is as I just aside<01:01:36.960><c> you</c><01:01:

Keywords: 928, house, all

Summary: The subcommittee continued work on Senate Bill 297 and a new amendment dealing with pooled risk management programs and whether they should be regulated under the insurance department. Lisa Duket, executive director of SchoolCare, testified at length that the draft language could allow co-mingling of public entity risk funds, could trigger producer-licensing requirements for staff who are not actually brokers, and may not fit public entity risk pools because they are not insurance companies. She also raised concerns about the March 1 reporting deadline, the proposed uniform accounting language, aggregate excess insurance, examination costs being charged to the program, and confidentiality provisions that she argued may conflict with right-to-know principles for public entities. She urged the committee to slow down and consider a study committee or more time for review, saying the regulated entities were not adequately involved in drafting the proposal. Chairman Hunt and the department responded that the bill is intended to create a licensure-based regulatory model, similar to other licensed industries, and that the pooled risk management program would be exempt from producer licensing while anyone else selling or negotiating such coverage would need a producer license. The department said failure to comply would be handled through an administrative licensing process, with denial or nonrenewal of a license and appeal through the department process. On the reporting deadline, the department said March 1 is a standard filing date used for financial analysis and that the filing can be the most recent annual report, regardless of fiscal year end. They also explained that the confidentiality language was taken from existing RSA 5B, that aggregate excess insurance was included as a solvency measure, and that the draft was intended to preserve familiar language while adapting it for pooled risk programs. The discussion did not include a final vote or formal action on the bill in the portion provided. The committee appeared to be compiling follow-up questions for the insurance department and considering whether additional revisions or a slower process would be needed before moving the bill forward.

Transcript Highlights:

• In fact, the department most frequently contacted for this age group is the Department of Health and
• theft out of the home, and... ...several different departments: legal if there's theft out of the home
• So this is allowing the Department of Health and Senior Services, as well as the Department of Mental
• I'm here this morning on behalf of the Missouri Department of Health and Senior Services to sign support
• That would be the discretion of the department.

Committee: House Health and Mental Health

Summary: The House Committee on Health and Mental Health met in executive session and first adopted a substitute for House Bill 3401, Representative Phelps’s workplace violence bill, then voted the House Committee Substitute do pass. The substitute broadened language by removing a specific reference to bodily fluids, based on testimony from hospital security personnel that broader wording would be easier to prosecute. The roll call showed the substitute adopted and the bill passed out of committee. The committee then heard House Bill 2370, sponsored by Representative Peters, which would require private insurance to cover a one-year supply of self-administered hormonal contraceptives at one time, similar to Missouri HealthNet. Supporters included ACOG, the Missouri State Medical Association, Beacon Reproductive Health Network, and the Missouri Nurses Association, who argued the bill would improve access, reduce missed doses and unintended pregnancies, and save costs by reducing barriers such as transportation, work schedules, and pharmacy refill gaps. The Missouri Insurance Coalition opposed the bill, arguing it would impose a mandate on private plans, increase costs—especially for brand-name products—and raised questions about whether the bill would require bulk dispensing and how it would interact with existing refill rules. The committee also heard informational testimony from MoSPI noting rural access barriers, higher adherence with 12-month supplies, and that Missouri HealthNet already covers an annual supply. Finally, the committee heard House Bill 3278, sponsored by Representative Lobbinger, which would create a multidisciplinary adult protection team framework for adults 60 and older and adults 18 and older with cognitive impairments or disabilities. The bill is intended to improve coordination among agencies handling abuse, neglect, and exploitation cases by allowing limited information sharing and reducing duplicated investigations while preserving confidentiality and guardianship protections. DHSS testified in support, saying the bill would provide a clearer framework for existing multidisciplinary teams, streamline coordination, and help protect vulnerable adults without creating new positions or infrastructure. Committee members asked about membership, meeting frequency, conflicts of interest, and how the bill differs from the ombudsman system; the sponsor and DHSS explained that the teams would be case-specific, generally meet as needed or quarterly, and apply to community cases rather than facility residents. The sponsor also submitted letters of support from existing multidisciplinary teams and related organizations.