Transcript Highlights:

• NEA New Mexico is advocating for state to cover 80% of healthcare premiums for educators.
• And you'll see that premium increases, those annual premium increases have accelerated pretty significantly
• So you could stabilize the fund and bring those future premium increases down.
• Is the annual premium increases that NMSA had projected before the session.
• Employees, uh, premiums.

Transcript Highlights:

• and set criteria for classification and set criteria for determining<00:33:46.919> when<00:33
• so that we can figure out a classification whereby certain maybe non-public trust uses might be cut
• so that we can figure out a classification whereby certain maybe non-public trust uses might be cut
• so that we can figure out a classification whereby certain maybe non-public trust uses might be cut
• so that we can figure out a classification whereby certain maybe non-public trust uses might be cut

Keywords: 910, house, all

Summary: The committee heard testimony on several measures. On HB 211 relating to stream maintenance, DLNR supported the intent but requested amendments to clarify that responsibility for removing abandoned property rests with the entity that has jurisdiction or ownership of the stream, and asked for appropriations to help cover cleanup costs. Members discussed existing county authority to clean streams and then seek reimbursement from private owners, and the City and County of Honolulu’s written testimony was noted as arguing the bill conflicts with a federal court stipulation requiring notice and storage of personal property before disposal. On HB 502 relating to land use, OPSD and the Land Use Commission supported the bill’s intent but raised concerns about the short timeline and the need for rule changes, with OPSD recommending a more permanent county plan-based district boundary amendment process instead of a temporary one. The Department of Agriculture asked counties to make concurrent revisions to ordinances and rules affecting agricultural land partitioning. Testimony also noted the bill is aimed at legacy agricultural subdivisions and would require Land Use Commission rulemaking. On HB 510 relating to declaration of water shortage and emergency, DLNR and the Board of Water Supply strongly supported the measure, saying it would give CWRM a more timely tool to respond to emergencies outside designated water management areas and would require rulemaking, permit classifications, and criteria for declaring shortages. In response to opposition concerns from the Land Use Research Foundation and the Hawaii Farm Bureau, DLNR said the rulemaking process would allow public input and that permit classifications could help balance agricultural and other water uses. On HB 511 relating to public lands, DLNR, the Department of Agriculture, and Hawaii Farm Bureau supported removing the survey requirement before setting aside public lands between state agencies, saying it would speed Act 90 transfers and save time and money, though one testifier cautioned against misuse of agricultural lands. No votes were taken during the excerpted portion of the meeting.

Transcript Highlights:

• <00:05:18.080> will before, cost of individual premiums will before, cost of individual premiums
• With the loss of the advanced premium With the loss of the advanced premium tax<00:10:40.000>
• Commerce's 2016 rate release, premiums Commerce's 2016 rate release, premiums in<00:14:27.920>
• that market and help bring premiums that market and help bring premiums down. down. down.
• Is it upfront with the premiums?

Keywords: 1183, house

Summary: The committee took up House File 3388, and an A1 amendment was adopted by voice vote. The bill, as amended, would direct the Department of Commerce to seek another federal waiver to continue Minnesota’s reinsurance program and preserve the assessment-and-tax-credit funding model adopted last session. Chair O’Driscoll said the measure is intended to give future legislators options before the current reinsurance structure ends, warning that without it individual-market premiums could rise substantially and more people could lose coverage. Testimony was largely supportive. Dan Andre of the Minnesota Council of Health Plans said reinsurance has been a success since 2018, has lowered premiums by covering a portion of high-cost claims, and helped subsidize care for more than 5,000 Minnesotans in 2024. Ann New Brindley of the Minnesota Business Partnership and Steven Rubis of the Health Plan Partnership of Minnesota also backed the bill, saying market stability is important amid the loss of federal premium tax credits and that continued reinsurance would help prevent further premium increases and cost shifting. Jonathan Carter of the Minnesota Chamber of Commerce likewise supported the bill, citing the program’s role in keeping Minnesota’s individual-market premiums among the lowest in the country. Members also discussed how the assessment and tax-credit mechanism works, with Chair O’Driscoll describing it as an assessment on plans followed by a tax credit against state liability. Representative Elkins questioned how insurers self-assess, and Representative Smith said the assessment model is preferable to a general-fund approach if the program continues. Representative Kaggel raised concerns about taxpayer costs and the broader health care system, while also saying the current system is unsustainable and in need of more fundamental change. The committee then renewed the motion to lay House File 3388, as amended, over for possible inclusion in an omnibus bill.

Transcript Highlights:

• premium tax credits go away.
• premium tax credits go away.
• premium tax credits go away.
• premium tax credits go away.
• premium tax credits go away.

Keywords: 1183, house

Transcript Highlights:

• Assuming just a 10% annual premium increase, a decade from now, the premium for the same plan will cost
• Assuming just a 10% annual premium Assuming just a 10% annual premium increase,<00:04:00.879>
• increase, a decade from now, the premium increase, a decade from now, the premium for<00:04:02.720
• :04:55.520> coverage<00:04:56.080> is premiums going up, but coverage is premiums going
• The amount we pay in healthcare premiums The amount we pay in healthcare premiums and<00:08:37.440

Keywords: 1183, house

Transcript Highlights:

• For Medicaid, there is no monthly premium.
• The monthly premium contribution also correspondingly increased.
• So here we are: we've created the new tiers and the premiums.
• There's no payment of premium in Medicaid. Okay. All right.
• And as directed by statute, monthly premiums are collected.

Summary: The committee received a briefing from AHCA Deputy Secretary Brian Meyer and Florida Healthy Kids CMO Ashley Carr on implementation of HB 121, which was enacted in 2023 to expand Florida’s KidCare/CHIP eligibility from 200% to 300% of the federal poverty level and replace the sharp premium “benefits cliff” with a tiered premium glide path. Sponsor Rep. Bartleman described the bill as a bipartisan effort to help working families keep children insured while moving toward economic self-sufficiency. The presenters explained that the program remains a joint federal-state structure, with Medicaid unchanged and the bill affecting only the CHIP-related portions of KidCare. AHCA said implementation has been delayed by federal CMS actions. The agency reported that CMS first rejected a state plan amendment approach, then required revisions to the premium tiers under a new maintenance-of-effort interpretation, and later issued a new interpretation of continuous 12-month eligibility that would prevent disenrollment for nonpayment of premiums. AHCA said it submitted an 1115 waiver, but negotiations over special terms and conditions reached an impasse, and the state has filed litigation challenging CMS’s interpretation. Members asked about the cost of litigation, the effect on future bills, the review process for CMS documents, disenrollment and reenrollment rules, and whether any additional legislative action is needed; AHCA said no further state action is needed at this time and that the key issue is the pending federal litigation. Several members and the sponsor emphasized the need for immediate implementation and asked about possible interim relief. AHCA said current coverage remains in place under the preexisting program, that there is a 30-day grace period for premium payment, and that reenrollment does not require a penalty or back payment, though coverage is not active during lapsed periods. The committee also heard public comment from Nicholas Hessing of the Children’s Services Council of Broward County and the Florida Alliance of Children’s Councils and Trusts, who supported HB 121 and said the expansion could make about 17,600 additional children eligible in Broward County alone. The meeting ended with Rep. Bartleman thanking staff and expressing hope that the new federal administration would allow the program to move forward, and the chair adjourned the meeting.

Transcript Highlights:

• For many families and individuals, car insurance premiums can be an insurmountable financial burden and
• <00:04:44.600> are companies companies whose premiums are companies companies whose premiums
• So if you have more money and better credit, you are going to have a better premium cost.
• So if you have more money and better credit, you are going to have a better premium cost.
• <00:21:02.039> are we are being our insurance premiums are we are being our insurance premiums

Keywords: 1183, house

Transcript Highlights:

• It's because the actuaries guessed what the premium should be, and we funded that premium level, and
• In our case, the unit premium.
• Or total premium? Was it total or was it per individual premium?
• And that's the current premium now.
• So that's the monthly premium. So that's the monthly premium.

Bills: SB2160

Keywords: health insurance, public employees, uniform group insurance, retirement, state employees, 908, all

Summary: The committee resumed work on Senate Bill 2160, which would move the Public Employees Retirement System health plan from grandfathered to non-grandfathered status under the Affordable Care Act. PERS officials Rebecca Frickie and Derek Holbein explained that the bill would allow more flexibility in plan design, including higher deductibles, co-pays, and out-of-pocket maximums, while also adding enhanced preventive benefits. They clarified that ACA “essential health benefits” apply to individual and small-group markets, not to PERS as a large employer, and that the bill’s projected cost increases were based on actuarial estimates and prior bid scenarios from Sanford and Blue Cross Blue Shield. Members debated whether the bill would actually save money or simply shift costs to employees. Supporters argued that non-grandfathered status would create more levers to manage medical inflation and could produce net premium savings through plan redesign, citing prior bid comparisons showing potential reductions of 1% to 8% depending on the option. Opponents, including Representative Schauer and North Dakota United president Nick Archelette, questioned how the state would pay for the estimated $25 million to $30 million in added benefits and warned that employees could face higher out-of-pocket costs amid already strained household budgets. Frickie said the legislature would control funding decisions and that current law requiring the state to pay full family premiums could be changed only by statute. The committee also discussed reserve funding, with members noting that a $4.3 million reserve draw in the bill was intended to cover the final months of the biennium and could be modified. After testimony and discussion, Vice Chair Johnson moved a do-pass recommendation and referral to Appropriations. The motion passed 10-3-1, with Representatives Ostlie, Schatz, and Schauer voting no. Representative Gump agreed to carry the bill.

Transcript Highlights:

• Revised Statutes, by amending section 13-604.01 and repealing section 13-604.01, relating to classifications
• Revised Statutes, by amending section 13-604.01 and repealing section 13-604.01, relating to classifications

Keywords: 1182, all

Transcript Highlights:

• And I’m going to show my ignorance a little bit today, but I’ve never heard of this classification before
• I’ve never heard of this classification before as a soil classifier.

Summary: The Occupational Licensing Review Subcommittee met to review two occupational licensing reports: the Arkansas State Board of Nursing and the State Board of Registration for Professional Soil Classifiers. For nursing, board officials described the board’s history, scope, and licensure categories, noting it regulates about 72,000 nurses and oversees RNs, LPNs, advanced practice nurses, medication assistants, and a new dialysis patient care technician registry. Members asked about workforce shortages, complaint types, and the board’s finances; the board said Arkansas has enough licensed nurses overall but has vacancy issues in some areas, complaints commonly involve criminal backgrounds, fraud, misrepresentation, drug abuse, and misappropriation, and the average case length is 191 days though some cases remain open much longer while awaiting criminal adjudication. Officials also said they are working on efficiency improvements and have added help positions with Department of Health support. The report was accepted without objection. The committee then reviewed the soil classifier program, now housed under the Natural Resources Commission after the former board was abolished in 2023. Agriculture Department officials explained that soil classifiers are a small, specialized profession requiring a four-year degree with coursework in biological, earth, and soil sciences, and that the state currently has 29 registered soil classifiers. Members asked whether that number is sufficient, what the work involves, and how the program’s finances are used. Officials said the profession is mainly used for septic system design, wetland determinations, nutrient management, and other soil-related work, and that current staffing appears adequate. They also noted the program has about $20,000 in reserves, above the statutory three-year balance, and discussed possible uses such as training, curriculum upgrades, and expanded administrative funding. The report was also accepted without objection, and the meeting adjourned with the next meeting scheduled for February 19 at 1:30 p.m.

Transcript Highlights:

• 1A through 3A schools at that time, and I don't think we've increased it since or changed the classification
• But this would be for any classification in a K-12 school.

Bills: SB213, HB24, HB163, HB226, HB271, HB288, HB319, HB24

Keywords: utility tax, poultry industry, energy consumption, agricultural exemption, tax exemption, HB24, Volunteer Rescue Squad Tuition Reimbursement Program, EMS, emergency medical services, EMSP, paramedic training, EMT training, tuition reimbursement, scholarship, workforce development, volunteer rescue squad, volunteer fire department, ambulance service, nonprofit ambulance, Alabama Department of Public Health

Transcript Highlights:

• . premiums. premiums.
• you're not collecting enough premium. you're not collecting enough premium.
• much premium. much premium.
• . premium. premium.
• their premiums 18%? their premiums 18%? Mr.<01:02:39.840> Anderson.

Bills: HF3766, HF3972, HF3437, HF4118

Keywords: travel insurance, regulation, insurance licensing, consumer protection, travel assistance, short-term rental, vacation rental, home sharing, rental marketplace, online platform, property damage guarantee, damage waiver, reimbursement insurance, insurance regulation, commerce department, platform user, Airbnb, Vrbo, host protection, rental home marketplace

Transcript Highlights:

• At the same time, premium costs are rising.
• Are they going to pay 50% of my premium, 10% of my premium?
• The enhanced premium tax credits, and I'll just refer to Mr.
• That's going to be cost prohibitive at that premium.
• Bayou's point about particularly the age, the premiums, and premium changes, and I had a few examples

Transcript Highlights:

• This is because federal premium tax credits reduce premiums to a percentage of income.
• calculated on gross premium costs. calculated on gross premium costs.
• Since premium tax credits are tied to the price of individual insurance premiums, when premiums rise
• from the premium some type of premium from the premium some type of premium premiums premiums premiums
• if rates go up and premiums increase, the premium tax credit will increase.

Keywords: 1187, senate, all

Transcript Highlights:

• number um in terms of of Premium number um in terms of of Premium increases<00:22:41.039> West
• those premiums mitigate those premium<00:22:45.559> increases<00:22:46.120> mitigated<
• also had no material impact on premiums also had no material impact on premiums in<00:22:54.840>
• That the premium went down—that is just the amount that the premium went down.
• that one member gets so their premium that one member gets so their premium premium<00:35:49.599

Keywords: Meeting Start: 00:00 Roll Call: 00:10 SB145 Discussion: 02:23 SB145 Vote: 05:13 SB183 Discussion: 06:13 SB183 Vote: 11:37 HB413 Discussion Only: 16:15, 958, all

Summary: The House Standing Committee on Banking and Insurance met with a quorum and first took up Senate Bill 145, sponsored by Sen. David Givens. The bill would update retail installment contract statutes for automobile sales, allowing retailers with installment contracts shorter than 28 days to begin collections after three days instead of waiting for multiple missed payments, and it also harmonizes a related dollar amount in statute from $10 to $15. The committee asked no questions, and the bill received a favorable expression on a roll-call vote. The committee then heard Senate Bill 183 from Sen. Matt Nunn, with testimony from Chris Nolan of the American Property Casualty Insurance Association. The bill would require proxy advisers acting for the State Retirement System to act solely in the financial interest of current and future retirees and to avoid political or social considerations in shareholder voting recommendations. Supporters argued it would keep politics out of public pensions and align proxy advice with fiduciary duties; members praised the bill and noted Kentucky could be among the first states to adopt such a model. The committee approved the bill with favorable expression after a roll-call vote. The committee also reviewed administrative regulation 808 KAR 9:10 from the Department of Financial Institutions, with no vote required. It then took up House Bill 413, a PBM rebate pass-through bill, with testimony from Sarah Wood of the Diabetes Patient Advocacy Coalition. She said the bill would require 85% of negotiated drug rebates to be passed through to patients at the point of sale, lowering out-of-pocket costs, especially for high-rebate drugs such as insulin, while still allowing 15% to remain with plans. She cited examples from other states and argued the bill would benefit about 650,000 Kentuckians. Hope McClaflin of Anthem opposed the bill, saying it would reduce employers’ ability to use rebates to lower premiums, could disproportionately favor high-cost brand-name drug users, and could create significant costs for state and fully insured plans. Members asked questions about other states’ pass-through rates and the effect on premiums, but no final action on House Bill 413 was taken in the portion of the meeting provided.

Transcript Highlights:

• Next, enhanced premium tax credits and the advanced premium credits.
• And premiums.
• which is a very good premium.
• individual premiums.
• With the expiration of the enhanced premium tax credit, their premium goes up to $2,200.

Transcript Highlights:

• So these are gross premiums, and then any federal premium tax credits and then any federal premium tax
• So these are gross premiums, net premiums—that's like what an enrollee pays on their bill.
• If you were sicker, you'd get a higher premium. If you're female, you'd get a higher premium.
• People have asked me about premiums. Are premiums high in Minnesota?
• premium subsidies, as well as HR1. premium subsidies, as well as HR1.

Keywords: 1187, senate, all

Transcript Highlights:

• premium changes.
• The premium for the MEHP was $210.
• um results in a premium of $199.94. um results in a premium of $199.94.
• shows the premium impact to the plans. shows the premium impact to the plans.
• required as a result of those premiums. required as a result of those premiums.

Keywords: Meeting Start: 00:00:35 Attendance Roll Call: 00:00:55 Approval of Minutes: 00:02:56 Deferred Compensation Authority Update: 00:03:12 Retiree Health Update - TRS: 00:15:58 Retiree Health Update - KPPA: 00:56:13 Adjournment: 01:20:33, 958, all

Summary: The Public Pension Oversight Board received updates from the Kentucky Public Employees Deferred Compensation Authority and the Teachers Retirement System. Chris Biddle reported that deferred compensation assets had grown to about $4.787 billion with roughly 88,000 participants, crediting auto-enrollment, targeted marketing around pay raises, and retiree-focused services. He said the board’s self-directed brokerage account, authorized by last year’s legislation, is being designed around a $40,000 account-balance threshold with up to 25% transferable into the brokerage window, tentatively for July 1 of the coming year. He also described the free financial planning program, which has been used by about 3,300 to 3,500 participants with an 87% return rate, and noted that the plan is currently in a fee holiday; members asked about the fee structure and whether the CFP service is provided through Nationwide, which Biddle confirmed. Board members praised the deferred compensation program’s growth and asked for the legislation referenced by Biddle. He said the plan’s annual fees are capped, with a $1 monthly fee plus other charges up to a $225 cap, for a maximum of $237 per year absent a managed account. He also said the program is seeking unified payroll access to expand participation, especially among teachers, and that prior lineup changes saved about $6 million annually in participant fees. Bo Barnes of TRS then addressed retired teachers’ health insurance, first clarifying a prior question about declining federal contributions to the retirement annuity trust. He explained that federally funded school positions generated contributions that rose from $72 million in 2019 to $109 million in 2022, then fell to $85 million this year, with a projection of $80 million over the next three years; if those dollars do not come from federal sources, they would have to be replaced through the SEEK formula. Barnes then reviewed TRS health coverage, explaining that the statutory contract guarantees access to group coverage but not fixed premium levels, and that TRS administers two retiree plans: KEHP for retirees under 65 or otherwise not Medicare-eligible, and MEHP for retirees 65 and older or Medicare-eligible. Barnes said TRS completed RFPs for the 2026 plan year, retaining Express Scripts for prescription drugs and switching the Medicare Advantage medical provider from UnitedHealthcare to Humana, while keeping plan design, provider access, out-of-pocket costs, and benefits materially unchanged. He noted a modest hearing-aid improvement of $500 per ear beginning in 2026. He also reported that the TRS Board approved the maximum state contribution for KEHP at $1,044.96, up from $930.76, an 18% increase that he said would require about $15 million to $16 million more annually, while the MEHP premium would drop from $210 to $200 per month because of the new contract. Using the 2024 valuation, he said the KEHP increase would slightly reduce the health trust funded ratio from 80.4% to 80.1% and raise unfunded liability from $4.036 billion to $4.051 billion. Barnes closed by reviewing the 2010 shared-responsibility reforms that shifted retiree health costs away from a pay-as-you-go model, including phased employee and district contributions and Commonwealth stabilization funding. No votes were taken beyond approval of the minutes.

Transcript Highlights:

• Their premiums really didn't change much.
• It's Thomas for the premium based on the company's private prior your premium.
• So the tele matter reimbursement premium for premium is received by the fine can change each year.
• also be including the costs and to the premium.
• And then any premium that we expect to see through the end And then any premium that we expect to see

Bills: HB3057, HB3130, HB4113, HB3310, HB3314, HB3985, HB4486, HB3040, HB3407, HB4343, HB2981, HB3764, HB3765, HB3767, HB3982, HB3321, HB3322, HB3323, HB4126, HB4130, HB4170, HB3345, HB2941, HB3062, HB3244, HB3298, HB2977, HB3304, HB3299, HB3297, HB4260, HB3906, HB3648, HB3319, HB2933, HB3544, HB1322, HB4104, HB4105, HB4106, HB4107, HB4108, HB3974, HB3134, HB3055, HB3115, HB3471, HB3497, HB3500, HB3505, HB3755, HB4202, HB4226, HB4236, HB4139, HB4144, HB4422, HB4423, HB4317, HB4321, HB4322, HB3176, HB3239, HB3263, HB3673, HB3794, HB3796, HB4265, HB4266, HB2123, HB3048, HB2445

Keywords: government reporting, information technology, child welfare, environmental policy, state agency compliance, gender transition, minors, health services, punitive damages, parental rights, health care providers, voter registration, voter eligibility, felony disenfranchisement, restoration of voting rights, formerly incarcerated, reentry, parole, probation, supervision