Video & Transcript Research : 'deceptive insurance practice'

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HI

Hawaii 2026 Regular Session

CPC Public Hearing - Tue Feb 10, 2026 @ 2:00 PM HST

Consumer Protection & Commerce

Transcript Highlights:
  • </c> are largely the result of insurance are largely the result of insurance policies.<00:13:25.600><
  • </c> repairs are controlled by insurance repairs are controlled by insurance companies.<00:14:34.480>
  • So it would some somewhat insurance.
  • therapies</c><00:41:12.160><c> are</c> This practice are not therapies are This practice are not therapies
  • c><00:41:50.319><c> isolated</c> providing care, this practice isolated providing care, this practice
Summary: The committee on Consumer Protection and Commerce met on February 10, 2026, and heard testimony on several bills. HB 1849 relating to licensing drew comments from DCCA’s Professional and Vocational Licensing Division and the Hawaii Real Estate Commission, both of which stood on written testimony. The Hawaii Coalition for Immigrant Rights testified in strong support, emphasizing that some immigrants, including DACA recipients, are already contributing in Hawaii and that the state should help create pathways for them to remain and advance professionally. No vote or final action was taken on HB 1849 during the portion shown. The committee then heard HB 2000, the wheelchair right-to-repair bill. Encart opposed the measure, arguing that repair delays are largely driven by insurance prior authorization and that wheelchair repairs involve FDA-regulated medical devices where improper repairs could create health risks. Peter Fritz testified in support, saying the bill was modeled on similar laws in other states and that he had personal experience through his sister’s use of a wheelchair. Members questioned whether repairs done outside insurer networks might not be reimbursed, and Fritz said that was a concern but that the need for timely repair outweighed it. The committee also discussed HB 1753 on social media, where DCCA’s Office of Consumer Protection supported the bill but suggested an amendment to the definition of personal information. On HB 1511 relating to consumer protection, DCCA’s Insurance Division supported the bill, while the Alliance for Automotive Innovation and the Hawaii Automobile Dealers Association offered comments seeking to preserve legitimate manufacturer and dealer communications about vehicles, warranties, recalls, and related services. The committee also took up HB 276 HD1 and HB 1513 on condominiums. The Hawaii Real Estate Commission offered comments on HB 276 HD1. For HB 1513, the Hawaii Green Infrastructure Authority supported the bill, but DCCA’s Insurance Division opposed it, warning that diverting HHRF funds could weaken reinsurance arrangements and raise premiums for consumers who rely on the fund. Members questioned whether the proposed condo loan program would need HHRF money and whether the amounts in the bill were necessary, and the division said it opposed using HHRF for that purpose. The committee also heard HB 2188 on housing, where OCP supported the measure and the Hawaii Association of Realtors raised concerns about conflicts with the Fair Credit Reporting Act and the use of tenant screening reports, noting that a working group is already addressing landlord-tenant issues. Members asked OCP to research how other states handle similar laws and whether additional language is needed to avoid federal conflict. Finally, on HB 1876 relating to mental health, the Department of Health’s Adult Mental Health Division supported the bill but said it remains opposed to harmful, non-evidence-based treatment modalities; Pride at Work Hawaii also testified in strong support. No final votes or committee decisions were reported in the excerpt.
OK

Oklahoma 2026 Regular Session

Public Health Feb 11th, 2026 at 09:00 am

Public Health

OK

Oklahoma 2026 Regular Session

Public Health Feb 11th, 2026

Public Health

Transcript Highlights:
  • And so I just didn't know who that would be, like all health insurance.
  • And so I just didn't know who that would be like all health insurance.
  • a federal entity such as an FQHC or other federal entity, you do not have to provide malpractice insurance
Summary: The committee first announced several bills would be laid over because sponsors were absent, then took up House Bill 4423, which would require Medicaid applicants to be legal U.S. citizens. After adopting a PCS, members asked whether Medicaid already had citizenship limits, and the bill passed 4-1. House Bill 3342 followed, revising the Health Care Authority audit process; the sponsor said it was based on an Arkansas model, had no fiscal impact, and was intended to be fairer after prior problems. It passed 5-0. House Bill 3645, allowing physicians or other independent doctors to authorize hospice referral when a patient lacks next of kin or is not coherent, also passed 5-0. House Bill 3647, creating an all-payer claims database through the state HIE for greater transparency in medical costs, passed 5-0 after a question about which entities would be included or excluded. House Bill 3887, which removes the requirement for a physician referral every 30 days for continued physical therapy, drew the most discussion. The sponsor said therapists would refer patients back to a physician if treatment was not helping or was outside their scope, while a member raised concerns about delayed diagnosis and suggested adding a timeline; the sponsor said he would be open to further discussion. The bill passed 4-1. House Bill 4430 extended tort claims protection to certain state-employed providers who work for entities such as FQHCs, and House Bill 4431 did the same for nurse practitioners working for state agencies; both passed 5-0. Later, House Bill 2964 changed medical-record copying language from “shall be charged” to “may be charged,” giving facilities discretion on whether to charge patients for copies of their records; it passed 5-0. Finally, House Bill 3834 was heard for research funding on ibogaine therapy for PTSD and related conditions among veterans, firefighters, and police officers. The sponsor said the goal was to allow Oklahoma research, not to remove the substance from controlled status, and a witness described the treatment as a monitored oral session used in Mexico and supported by some studies. The bill passed 5-0, and the chair adjourned the meeting, noting the laid-over bills would likely be heard the following week.
AL
NM

New Mexico 2026 Regular Session

House - Judiciary Feb 11th, 2026 at 05:05 pm

House Judiciary

Transcript Highlights:
  • HB 213 moves the practice of this surgery outside of the Medical Practice Act.
  • What type of insurance will optometrists have to get additional insurance?
  • What type of insurance will optometrists have to get additional insurance?
  • What type of insurance will optometrists have to get additional insurance?
  • Will optometrists have to get additional insurance or malpractice insurance?
NM

New Mexico 2026 Regular Session

House - Judiciary Feb 11th, 2026

House Judiciary

Transcript Highlights:
  • Where are the insurance companies? I'll tell you what, my car insurance keeps going up.
  • I don't practice. I never intended to practice. I wanted to be an organizer for my community.
  • I don't practice. I never intended to practice. these things I always forget. I don't practice.
  • HB 213 moves the practice of this surgery outside of the Medical Practice Act.
  • Additional insurance or malpractice insurance? I'm trying to ask about that. Thank you.
Summary: The committee first took up House Bill 99, a medical malpractice reform measure. Sponsor Chair Chandler and Minority Leader Armstrong described months of stakeholder negotiations aimed at balancing patient compensation with concerns from physicians, hospitals, and insurers about litigation costs, punitive damages, and access to care. The committee substitute kept the existing monetary damage caps but changed several provisions, including definitions of “occurrence” and “value of medical care,” treatment of future medical expenses, a higher clear-and-convincing standard for punitive damages, a two-step process before punitive damages can be pled, and a lower punitive-damages cap for smaller providers versus a higher cap for large hospital systems. Supporters said the bill would help recruit and retain doctors and stabilize the malpractice market; opponents argued it weakens accountability, especially for corporate and out-of-state hospital systems, and several speakers urged a stronger amendment to preserve patient rights. After debate, the committee voted 10-0 to give the House Judiciary Committee substitute for HB 99 a do-pass recommendation. The committee then heard House Joint Resolution 5, which would amend the state constitution to allow legislative compensation. Sponsors and supporters said paying legislators would make service more accessible to working people, parents, rural residents, and others without independent wealth, and would broaden representation. Several advocacy groups and individual commenters backed the proposal, while members raised questions about the pay formula, with the resolution tying compensation to the state median income. Some members supported the idea but preferred a salary commission or a different mechanism. The committee approved HJR 5 on a 7-3 vote. Finally, the committee began hearing House Memorial 39, which calls for a task force to study the current state of sexual assault examination kits and report on backlog progress. Sponsor Rep. Ferrari and the New Mexico Coalition of Sexual Assault Programs explained that a prior task force a decade ago found more than 5,000 untested kits and led to policy changes, including the Sexual Assault Survivors Bill of Rights and a statewide tracking system. The memorial is intended to reassess whether backlogs remain and recommend further fixes.
NM

New Mexico 2026 Regular Session

Senate - Judiciary Feb 11th, 2026

House Judiciary

Transcript Highlights:
  • for insurance.
  • So this is to show you that he was actually paying $0 in insurance premiums for Covaris to practice,
  • , you can buy term insurance, or you can buy whole life insurance, okay?
  • Out practice.
  • New York Life, you couldn't buy insurance for punitive damages. ...practicing and doing claims at New
Summary: The committee first took up a lengthy informational presentation on the Patient Compensation Fund (PCF) and New Mexico medical malpractice insurance. Teresa Hassey, a plaintiffs’ attorney, described the PCF’s origin in the 1976 Medical Malpractice Act, its role as a state-backed excess coverage system, and her view that it was mismanaged when hospital participation expanded without individualized risk assessments. She argued that hospitals underpaid surcharges, that the fund was depleted by claims, and that the 2021 amendments and later legislative infusions were meant to shore up deficits and phase hospitals out. Superintendent of Insurance Alice Kane and LFC analyst Julia Rodriguez presented a different perspective, emphasizing recent general fund infusions, current surcharge collections, the use of actuarial reviews, and the PCF’s budget and settlement activity. Kane said the market is highly concentrated, New Mexico’s malpractice costs and defense expenses are high, and the fund still provides lower-cost coverage than the open market, while also noting ongoing issues with future medical claims, TPA transition, and investment management. Committee members questioned the presenters at length about why New Mexico malpractice premiums are so high, whether defense costs were being conflated with claim payouts, how the PCF works with primary coverage and excess coverage, and whether hospitals were properly assessed when they entered the fund. Several senators raised concerns about punitive damages, corporate practice of medicine, and whether the state’s legal environment is driving doctors away. Others challenged the data comparisons, noting differences between one-year figures and multi-year averages, and asked why New Mexico’s costs remain far above neighboring states. Kane and Hassey disagreed on the causes, with Kane pointing to high claims and defense costs over time and Hassey arguing that hospital participation and punitive-damage exposure distorted the market. The chair concluded the discussion by saying the committee had not exhausted the topic and that he still wanted a clear path to reducing doctors’ insurance costs. After a break, the committee moved on to Senate Bill 41. Senator Charlie introduced the bill, which would eliminate the statute of limitations for the most serious sexual crimes in New Mexico. He argued that trauma, coercion, fear, and delayed disclosure often prevent survivors from reporting promptly, and said the law should reflect that reality. The bill was presented as a response to survivor testimony heard in a prior hearing, and the sponsor framed it as part of a broader effort to modernize the justice system for sexual violence cases.
AL

Alabama 2025 Regular Session

Alabama House Children and Senior Advocacy Committee Feb 19th, 2025

Children and Senior Advocacy

Transcript Highlights:
  • It is by practice not to take a vote on the same day as a public hearing, so we will not have a vote
  • I could make it to the Insurance to make a quorum, but I'm not going to make it right now.
Bills: HB235, HB276, HB285
MN

Minnesota 2025-2026 Regular Session

House Health Finance and Policy Committee 2/23/26

Health Finance and Policy

Transcript Highlights:
  • </c> practices from the from the headnote. practices from the from the headnote.
  • </c> they deserve to be able to practice. they deserve to be able to practice.
  • </c> still exist and still practice. still exist and still practice.
  • Not in ... insurance company needs more proof. insurance company needs more proof.
  • Insurance companies do not.
AZ

Arizona 2026 Regular Session

02/18/2026 - Senate Health and Human Services

Health and Human Services

Transcript Highlights:
  • Those best-practice standards filter down from the medical world into the clinical practice.
  • In our medical world, there are best practices.
  • In our medical world, there are best practices.
  • of Insurance and Financial Institutions.
  • We have American insurance data, and we have German insurance data, which is fairly objective, that after
AZ

Arizona 2026 Regular Session

02/04/2026 - Senate Regulatory Affairs and Government Efficiency

Regulatory Affairs and Government Efficiency

Transcript Highlights:
  • This bill will increase the qualified workforce and veterinary practices.
  • I'm a veterinarian and a practice owner in rural southeastern Arizona.
  • or an insurer in a capacity other than as a salaried employer.
  • We worked this out with the Department of Insurance.
  • care under their current scope of practice.
OK

Oklahoma 2026 Regular Session

Public Health - Part 1 Feb 18th, 2026 at 09:00 am

Public Health

Transcript Highlights:
  • Again, we're trying to maintain their scope of practice, not open up their scope of practice.
  • open practices that there are.
  • maintain that they still have that practice, but not open up the scope.
  • And I think this is very important to maintain that scope of practice.
  • If they already have a defined scope of practice, already have a defined scope of practice that says
MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Consumer Protection and Professional Licensure Jun 23rd, 2026

Joint Committee on Consumer Protection and Professional Licensure

Transcript Highlights:
  • I am a veterinarian practicing here in Massachusetts.
  • in private practice and in shelter medicine.
  • Currently in Massachusetts, if I'm practicing and a colleague in the same practice as mine has seen a
  • Excuse me, how it affects my ability to practice medicine.
  • But I know standard of care in our practice, and every practice I've ever worked at for my...
Bills: S3082, S3090, H5425, H5130, H5114
Summary: The Joint Committee on Consumer Protection and Professional Licensure held a hearing on late-filed bills, with testimony heard both in person and remotely. The committee reviewed several measures, including H. 355 and S. 3082 on veterinary telemedicine/telehealth, H. 5445 on additional liquor licenses for East Hampton, and S. 3090/H. 5114 on consumer-connected devices and software support disclosure. The chair outlined hearing logistics, including three-minute testimony limits and written testimony submission, and noted that Lawrence High School students were present to observe. On the veterinary bills, supporters of H. 355 argued that allowing veterinarians to establish a client-patient relationship remotely would improve access to care for pets whose owners face transportation, mobility, or anxiety-related barriers, and could help veterinarians continue practicing through telemedicine. Opponents of S. 3082, including the Massachusetts Veterinary Medical Association and several veterinarians, said the initial in-person exam is essential to detect conditions that cannot be seen on video, avoid misdiagnosis, and preserve the standard of care; they emphasized that teletriage and follow-up telemedicine are already used after an in-person relationship is established. Committee members pressed both sides on the distinction between teletriage and establishing the relationship, the timing of annual exams, and whether limited exceptions for sedatives or other pre-visit needs might be workable. Senator Lovely testified in support, citing a recent Lyme case where follow-up telemedicine would have been useful. On H. 5445, Representative Gomez and East Hampton Mayor Salem Derby urged approval of the bill to authorize eight additional liquor licenses, saying the city has reached its current cap, needs economic development, and wants to support downtown revitalization and new restaurant growth. Members asked about public safety and the number of licenses sought; the mayor said local public safety officials support the request and that the licenses would be for restaurants, not bars. On S. 3090 and H. 5114, consumer advocates and cybersecurity experts supported requiring manufacturers of connected devices to disclose software support timelines, arguing it would improve consumer transparency, cybersecurity, and reduce e-waste. Industry groups opposed the bills, saying fixed disclosure requirements could be impractical, create confusion, burden small businesses, conflict with federal efforts, and be difficult to apply to appliances, lighting, and other products with long lifecycles. The committee did not take a substantive vote on the bills during the hearing; at the end, staff announced a forthcoming poll for House members, and the committee voted to adjourn.
MA

Massachusetts 2025-2026 Regular Session

Joint Committee on Consumer Protection and Professional Licensure Jun 23rd, 2026

Joint Committee on Consumer Protection and Professional Licensure

Transcript Highlights:
  • I am a veterinarian practicing here in Massachusetts.
  • in private practice and in shelter medicine.
  • Currently in Massachusetts, if I'm practicing and a colleague in the same practice as mine has seen a
  • Excuse me, how it affects my ability to practice medicine.
  • But I know standard of care in our practice, and every practice I've ever worked at for my... ...entire
Bills: S3082, S3090, H5425, H5130, H5114
HI

Hawaii 2026 Regular Session

CPC Public Hearing - Wed Mar 18, 2026 @ 2:00 PM HST

Consumer Protection & Commerce

Transcript Highlights:
  • code's unfair deceptive trade practices section, which is meant to not only define and allow for the
  • Insurance Division to regulate those things, but it specifically is meant to regulate the trade practice
  • unfair</c><00:07:53.680><c> deceptive</c><00:07:54.040><c> trade</c><00:07:54.280><c> practices</c> code's
  • unfair deceptive trade practices code's unfair deceptive trade practices section, section, section,
  • in the business of trade practice in the business of insurance,<00:08:07.280><c> which</c> insurance
Summary: The committee heard SB 1166 SD2, a bill on insurance and climate-related damages that would authorize the Hawaii Property Insurance Association and, in amended versions discussed during testimony, other public and private entities to pursue civil actions to recover losses tied to climate disasters and extreme weather. DCCA’s Insurance Division and the Department of the Attorney General raised legal concerns, saying the bill’s scope may not fit the insurance code section being amended, that it could create subject-matter and title issues, and that some subrogation language may be duplicative of existing rate-filing practice. Lawyers for Justice opposed the measure, arguing it conflicts with existing subrogation law and recent Hawaii Supreme Court rulings that treat the judicial lien process as the exclusive remedy. The American Petroleum Institute also opposed, warning the bill would add liability and litigation risk for companies operating under existing permits and could undermine energy reliability and investment. Supporters said the bill would help shift climate-related insurance costs away from residents and onto fossil fuel companies and other responsible parties. Testimony in support came from the Polluters Pay Hawaii Coalition, Center for Climate Integrity, Hawaii Island Council, Our Hawaii, Sierra Club of Hawaii, and others, who described recent flooding, storm damage, rising premiums, non-renewals, and underinsurance as evidence of a worsening climate-driven insurance crisis. Several supporters urged amendments to give the Attorney General explicit authority to recover insurance-related losses for the Hurricane Relief Fund, HPIA, and private insurers, and to ensure recovered amounts benefit policyholders. Committee members questioned whether HPIA is a private entity, whether the Attorney General could represent it, whether the bill could create double recovery or affect pending climate litigation, and whether insurers would have standing or damages if they are only paying contractual claims. The committee then took up SB 888 SD2, a consumer protection bill that would restrict smart household security device operators from sharing user data with law enforcement without consent or a judicial order, and would bar conditioning device use on such consent. The Office of Consumer Protection testified in support and said an Illinois law could serve as a useful template for exceptions to the warrant requirement. An individual supporter said the measure would protect immigrant communities, judges, and others from surveillance and misuse of private data. No vote was taken during the portion of the meeting provided, and the chair noted additional written testimony submitted in support of SB 1166.
WA

Washington 2025-2026 Regular Session

Senate Health & Long-Term Care Jan 30th, 2026 at 08:00 am

Health & Long-Term Care

Transcript Highlights:
  • Having an insurance card doesn't mean you have access.
  • I primarily work with children and take multiple insurances at my practice.
  • I primarily work with children and take multiple insurances at my practice.
  • from insurance companies.
  • Almost 100% of my clients use their insurance to see me.
Summary: The Senate Health and Long-Term Care Committee met on January 30 and first moved through executive session on five bills. The committee adopted proposed substitutes and advanced Senate Bills 5999, 5185, 5845, 6071, and 6258 to the Rules Committee, all by voice vote and subject to signatures. SB 5999 would let smaller rural counties appoint an APRN or PA as an acting local health officer; SB 5185 creates a pilot pathway for international medical graduates toward physician licensure; SB 5845 revises timely payment rules for health carriers; SB 6071 standardizes overpayment recovery timelines; and SB 6258 creates a non-disciplinary pathway for relinquishing certain medical licenses. Several sponsors noted that SBs 5845 and 6071 were still being worked on with stakeholders. The committee then held a hearing on SB 6226, which would protect the clinical autonomy of audiologists and require the Board of Hearing and Speech to apply hearing-instrument rules consistently across care modalities, including telehealth. Testimony was overwhelmingly supportive, with witnesses emphasizing teleaudiology’s role in expanding access, especially for rural residents, older adults, and people with mobility challenges. One association witness supported the bill’s goals but warned it could be read too broadly and affect other regulatory standards. The hearing closed with 54 people signed in pro, none opposed, and two other. Next, the committee heard SB 6305, the Truth in Mental Health Coverage Act, which would require carriers to submit standardized annual data to the Office of the Insurance Commissioner on behavioral health coverage, access, reimbursement, utilization, and network participation, with public posting in raw files and dashboards. Supporters said the bill would make parity and access problems visible and help consumers compare plans; the OIC said it supported the transparency approach and was already engaged in parity oversight. Opponents argued the bill was premature given implementation of recent parity legislation and could add burdens without addressing workforce or network adequacy. The hearing closed with 396 signed in pro, two con, and zero other. Finally, the committee heard SB 5924, a proposed substitute expanding pharmacists’ prescriptive authority and limited diagnostic authority for certain drugs and conditions, consistent with a Department of Health sunrise review. Supporters from pharmacy, health care, retail, and rural access perspectives said it would reduce administrative barriers, improve access in underserved areas, and better use pharmacists’ training; some cited examples such as immunizations, contraception, opioid use disorder treatment, and minor illnesses. The Washington State Medical Association opposed the bill, saying it moved away from collaborative practice and needed more time to resolve concerns about coordination, pediatrics, and complex patients. A few testifiers raised objections to psychiatric prescribing or specific drugs, while others asked about reporting back to primary care. The hearing closed with 279 signed in pro, six con, and four other, and the committee adjourned after concluding its business.