Video & Transcript Research : 'premium stabilization'
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MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Public Service Jun 21st, 2026 at 01:00 pm
Joint Committee on Public Service
Transcript Highlights:
- administrative error and allows all of our state-employed teachers to retire with the dignity and stability
- Provide them with the opportunity to retire with the stability and respect they deserve after a lifetime
- ... to retire with the stability and respect they deserve after a lifetime of educating kids like me
- be forced to help fill gaps in benefit obligations and face increased inflation, higher insurance premiums
- At a minimum, PRIM risks the stability and value of public retirement funds by continuing to hold fossil
Summary:
The Joint Committee on Public Service held a hearing focused first on teacher retirement legislation, especially H. 2932 and S. 1884, which would give long-serving educators a one-time opportunity to enroll in Retirement Plus after the program’s 2001 rollout was described as confusing and inconsistently communicated. Legislators, union leaders, and many teachers testified that some educators missed the opt-in window because of faulty notices, leave status, transfers, or misinformation about payroll deductions, and that many have had to work several extra years as a result. Supporters said the bills would correct an unfair administrative error, provide a buyback option with interest, and could also save local school districts money by allowing earlier retirements. Representative Mark Sylvia also testified for H. 4234, a Fairhaven-specific bill to raise the age limit for special police officers from 65 to 70 and clarify appointing authority, citing experience and budget needs.
The committee then heard testimony on several pension investment and divestment bills. Supporters of H. 2811 and related climate-risk measures argued that PRIM should assess, disclose, and address climate-related financial risk in the state pension fund, warning that fossil fuel investments could threaten long-term returns and public finances. Environmental advocates and financial experts said climate risk is systemic and urged transparency, divestment planning, and alignment with the Commonwealth’s climate goals. Another set of speakers supported H. 2984, which would divest pension investments from companies selling weapons to Israel; they argued the state should not be complicit in violence in Gaza and cited humanitarian and human rights concerns. Additional testimony supported H. 2900 and S. 1869 to divest from the firearm industry, with speakers saying pension investments should not undermine Massachusetts gun laws.
No votes were taken during the hearing. The chairs repeatedly thanked speakers, limited testimony time, and noted that written testimony could be submitted later. The hearing concluded with the committee moving through the sign-up list and hearing extensive public testimony on the teacher retirement and divestment proposals.
MN
Minnesota 2025 1st Special Session
House Workforce, Labor, and Economic Development Finance and Policy Committee 2/13/25 - Part 1
Workforce, Labor, and Economic Development Finance and Policy
Transcript Highlights:
- It appears Minnesota is at risk of launching an unsound program that will require taxpayers to stabilize
- It appears Minnesota is at risk of launching an unsound program that will require taxpayers to stabilize
- <00:08:30.759>
and require taxpayers to stabilize and require taxpayers to stabilize and result - <01:03:07.520>
to <01:03:07.680>my provide stability to my provide stability to my - situations and to secure uh stability situations and to secure uh stability and<01:15:44.040>
HI
Hawaii 2026 Regular Session
HHS-AEN-EIG, HHS, HHS Public Hearings 02-02-2026
Health and Human Services
Transcript Highlights:
- <00:25:15.840>
um can create financial um stability um can create financial um stability um - It requires them to pay the premiums for bronze or catastrophic, which is a low bar. Okay.
- It it requires them to pay the premiums<00:26:20.240>
for <00:26:20.480>bronze <00:26:20.799 - >
or <00:26:21.039>catastrophic, premiums for bronze or catastrophic, premiums for bronze - And so forth will help stabilize independent contracting pharmacies and the beneficiaries there,
Summary:
The joint HHS, Agriculture, Environment, Energy, and Intergovernmental Affairs hearing focused first on SB 2262, a pollution and illegal dumping measure. The Department of Health said it stood on its written testimony, and public testimony included support from CARES with suggested amendments to involve the counties in standardized response planning and to address pollution caused by individuals. Members questioned the bill’s fines, where they would go, and how the department would handle carcasses and illegal dumping enforcement. DOH said administrative fines go to the general fund, criminal fines are collected by the Attorney General, carcasses are generally buried by the landowner under existing rules, and DOH mainly regulates solid waste and coordinates with counties and other agencies when violations arise.
After discussion, the chair recommended SB 2262 be passed with substantial amendments. The proposed amendments would add DLNR to the task force, deposit all fines into a special fund to support enforcement, allow fines below $5,000 for littering and higher fines for excessive or chronic illegal dumping, and include a January 30, 2050 effective date. The committee adopted the recommendation, with members voting aye.
The hearing then moved to the HHS calendar. On SB 2087, relating to health insurance, agencies including DHS, DCCA, the Attorney General, and Labor stood on written testimony, while several advocacy and medical groups testified in support. One Medicaid recipient opposed the bill, arguing the coverage should be immediate rather than phased in over three years. Angela Melody Young supported the bill but urged amendments to prioritize people with disabilities, kupuna, and mothers. Members questioned whether the rural health transformation program could support the bill’s deductible structure; the Department of Human Services said it was unlikely CMS would allow that level of coverage, though rural funds might help in other ways. The committee then moved on to SB 2089, which would expand services eligible for Medicaid prospective payment system reimbursement, hearing support from OHA, DHS, and others, along with testimony about mental health access and training. The transcript also began SB 2106, relating to health and eating disorder prevention, with a student testifying in support and citing youth eating disorder harms, but the discussion was cut off before any action on that bill.
MN
Minnesota 2025 1st Special Session
Committee on Health and Human Services - 03/04/25
Health and Human Services
Transcript Highlights:
- my high Private health care and<00:43:03.319>
then <00:43:03.440>a <00:43:03.559>premium - :43:05.480>
this <00:43:05.599>has I pay for my high private health care and then a premium - 48:10.680>
for that the amount paid by the state for that the amount paid by the state for premiums - Co Insurance deductibles other premiums Co Insurance deductibles other cost<00:48:14.000>
sharing - recidivism improves longterm stability and<01:02:04.119>
ultimately <01:02:04.640>saves
NH
New Hampshire 2025 Regular Session
House Labor, Industrial and Rehabilitative Services (04/22/2025)
Labor, Industrial and Rehabilitative Services
KY
Kentucky 2025 Regular Session
Disaster Prevention and Resiliency Task Force (9-10-25)
Transcript Highlights:
- benefit called incident response premium benefit called incident response premium pay,<01:33:54.239
- Premiums are over $1,200.
- Premiums Flood insurance is expensive.
- Premiums are<02:02:16.239>
over <02:02:16.480>$1,200. - um, to stabilize those areas after<02:09:26.800>
mining.
Summary:
The task force met with a quorum, approved the August meeting minutes, and heard a presentation from Dr. Jerry Brosky of the Kentucky Mesonet and Kentucky Climate Center. He described the Mesonet’s statewide weather network, now with 84 stations in 78 counties, real-time data used by the National Weather Service, mobile apps, and more than a billion observations. He said recent legislative funding has allowed upgrades such as soil temperature and moisture sensors, cameras at every site, and improved communications and power systems, and has enabled expansion into new counties. He also highlighted products used for flooding, drought, and heat safety, including a wet bulb globe temperature tool being developed with the Department of Public Health. In response to questions, he said counties interested in a station should contact his center, that a station typically costs about $50,000, and that the program is already considering a second Pike County site.
The committee then heard from Ryan Drain of Blue Skies and Chris McGee of the American Red Cross on long-term disaster recovery and a software platform called Darcy, short for Disaster Aware and Ready Communities Initiative. McGee explained the Red Cross’s long-term recovery work, including support for recovery groups, direct financial assistance, grantmaking, and coordination with local and federal partners. He emphasized that disasters are occurring more frequently and with repeated impacts, and shared examples from Kentucky and other states showing the need for organized recovery and storm shelter support. Drain said Darcy was developed after the 2021 Mayfield-Graves tornado recovery to replace fragmented spreadsheets and PDFs with a centralized, survivor-led system for preparedness, response, and recovery, designed to improve coordination, reduce duplication, and shorten recovery time. No votes or formal actions were taken beyond adoption of the minutes.
CA
California 2025-2026 Regular Session
Assembly Utilities and Energy Committee May 5th, 2026
Transcript Highlights:
- What is that additional premium that we've had?
- That starts with stabilizing what we have left.
- So this would be a gasoline-stabilizing floating tax.
- First thing I would say is: protect system stability.
- And little has been done to stabilize the refining sector.
Summary:
The Assembly Committee on Utilities and Energy held a hearing on the impact of the Iran conflict and global oil supply disruption on California fuel markets. Committee members and administration witnesses from the California Energy Commission and the Division of Petroleum Market Oversight described California’s heavy reliance on imported crude and refined products, the state’s shrinking refining base, current inventory levels, and how global supply tightness is affecting gasoline, diesel, and jet fuel prices. CEC officials said near-term supply looked adequate for roughly the next six weeks, but warned that continued disruption would likely raise prices further and increase competition for imports. DPMO said the conflict is a real supply shock, but also emphasized a separate, longstanding problem of unusually high California retail gasoline prices, especially among major branded stations.
Witnesses and members debated the causes of high prices and the state’s longer-term fuel strategy. Professor Severin Borenstein argued that much of the price gap beyond taxes and environmental costs comes from a “mystery gasoline surcharge” downstream of refineries, while also noting that California’s shrinking number of refineries creates market-power and supply-resilience concerns. Western States Petroleum Association CEO Jody Mueller argued that state policies have weakened California’s refining system and made it more vulnerable to global shocks, urging the state to protect remaining refining capacity and improve infrastructure for imports. United Steelworkers Local 675 Vice President Norman Rogers stressed the need for safe, reliable refinery operations and adequate staffing.
Several members pressed witnesses on whether California should rely more on imports, how to manage inventories and port/storage capacity, and whether the state needs clearer authority and better data collection to coordinate fuel policy. Discussion also covered branded versus unbranded gasoline pricing, the role of California fuel specifications, and whether a floating gas tax or other policy tools could buffer consumers from global price spikes. No formal votes or committee actions were taken during the hearing.
MN
Minnesota 2025-2026 Regular Session
House Floor Session Mar 24th, 2025
Minnesota House Floor Meeting
Transcript Highlights:
- May Minnesota enjoy stability, peace, and prosperity.
- Small engines run better and are better maintained if you put in premium non-oxygenated fuels.
MN
Minnesota 2025-2026 Regular Session
Committee on Commerce and Consumer Protection - 03/25/25
Commerce and Consumer Protection
Transcript Highlights:
- If you go look at Connecticut's average premium, it's $217 a month.
- If you go look at Connecticut's average premium, it's $217 a month.
- If you go look at Connecticut's average premium, it's $217 a month.
- correspondingly smaller monthly premium correspondingly smaller monthly premium these<01:38:47.320
- <01:45:09.520>
Mr expect to have in their premiums Mr expect to have in their premiums Mr
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Monday, April 20, 2026)
US Federal House Floor Meeting
Transcript Highlights:
- Short, calm, unambiguous markets stabilize. The crash did not become a depression.
- Short, calm, unambiguous markets stabilize. The crash did not become a depression.
- Oversight and stability are not competing goals.
- Oversight and stability are not competing goals.
- These are children growing up without the care, stability, and the love of the person who brought them
CA
California 2025-2026 Regular Session
Assembly Budget Subcommittee No. 2 on Human Services May 21st, 2025
Transcript Highlights:
- This trauma-informed program has helped stabilize placements and improve outcomes.
- And then the other $30 million is requested to be the bridge for the premiums. Okay.
- Jackson, about potentially finding a stabilizing solution for FFAs.
- I oppose any eligibility changes, including the asset limit or premium changes.
- Thank you so much. that we see is particularly vital for stabilizing the system.
Summary:
The hearing began with opening remarks on the Governor’s May Revision for child care and human services, with committee members and advocates stressing that the budget should not be balanced on the backs of low-income families, children, and providers. Legislative members and public witnesses strongly opposed the proposed suspension of the child care COLA, reductions to the Emergency Child Care Bridge Program, and the lack of codified rate reform tied to the alternative methodology. Several speakers also urged more support for providers affected by the Eaton fire and other disasters, and called for child care to be funded at the true cost of care and for additional slots to be restored.
Administration, LAO, and Department of Education staff described the child care proposal as maintaining existing funding levels while adding administrative resources to prepare for federally required prospective payment changes and single-rate reform. The administration said the May Revision would suspend the 2025–26 COLA and reduce Bridge Program funding to align with utilization, while the LAO raised questions about the size and purpose of the proposed rate-reform and prospective-payment funding and recommended rejecting a Department of Technology exemption. CDE supported continued early education investments but said it would need additional resources if prospective pay were extended to state preschool, and it objected to a proposed reallocation of preschool funds for inclusive education grants.
The committee then moved to the IHSS portion of the May Revision. DSS outlined five major proposals: capping provider work hours at 50 per week, eliminating IHSS for undocumented adults age 19 and older, shifting certain Community First Choice reassessment penalties to counties, reinstating the Medi-Cal asset test as a conforming IHSS reduction, and automating the termination of IHSS when Medi-Cal eligibility ends. DSS also discussed funding to implement a federal HCBS access rule and a separate reassessment of IHSS administrative methodology that found counties would need additional administrative funding. Finance said the proposals were intended to slow program growth and improve sustainability, while the LAO said it was still analyzing the package and raised concerns about implementation, county workload, and the potential loss of services.
Committee members and public commenters criticized the IHSS cuts, especially the overtime cap and the elimination of services for undocumented adults and people affected by the asset test. Advocates argued that IHSS workers and recipients depend on these services, that county administration is already underfunded, and that the proposals could destabilize vulnerable consumers. The chair closed by saying the committee would continue to fight for child care and would not pause on child care, and the meeting recessed before moving on to the remaining May Revision items.
NM
Transcript Highlights:
- On line 18, there's a $45 million increase to pay for insurance premium increases.
- Chair and Senator, I think what's also important is that as insurance premiums increase over time, which
- more—based on one of the plans that we've looked at, they're probably paying about $9,200 in annual premiums
- So this $160.6 million will support universal eligibility and provider stability.
- in line for an award of a slot, for award of a slot that allows those families to use this as a stabilizing
AZ
Transcript Highlights:
- strong protective orders reduces victimization, limits law enforcement calls, and improves long-term stability
- health care for all people that everyone is struggling with right now, especially as health care premiums
- health care for all people that everyone is struggling with right now, especially as health care premiums
- health care for all people that everyone is struggling with right now, especially as health care premiums
- We're talking about serious brain conditions like schizophrenia that require antipsychotic or mood-stabilizing
Bills:
SB1095, SB1127, SB1170, SB1208, SB1211, SB1237, SB1239, SB1240, SB1243, SB1244, SB1259, SB1283
Keywords:
gender transition, minors, irreversible surgery, health professionals, puberty-blocking drugs, medical procedures, prohibition, Arizona Revised Statutes, reporting abuse, child neglect, mandatory reporting, child safety, medical treatment, faith exemptions, penalties, narcotic drugs, fentanyl, sentencing, drug offenses, juvenile justice
Summary:
The committee first approved the January 21, 2026 minutes and held SB 1208. It then heard SB 1211, which would allow victims of felony aggravated harassment involving domestic violence to seek a lifetime injunction against the convicted defendant. The sponsor said the bill came from fellowship participants, and supporters from the Arizona Coalition to End Sexual and Domestic Violence, Amberle’s Place, and survivor advocates testified that repeated harassment and re-traumatization justify permanent protection. The committee voted 7-0 to give SB 1211 a do pass recommendation.
Next, the committee considered SB 1239, which removes the statute of limitations for failing to register as a sex offender. The sponsor said DPS requested the change to close a loophole and hold offenders accountable even years later. Opponents from Arizona Attorneys for Criminal Justice argued existing warrant and registration processes already address the problem and that eliminating the time limit raises due process concerns and risks stale prosecutions. After discussion, the committee approved SB 1239 on a 4-3 vote.
The committee also heard SB 1240, which excludes probationers convicted of dangerous crimes against children from the probation incentive payment formula. The sponsor tied the bill to a recent child sexual assault case and said the incentive system should not count these offenders. Opponents warned it could push probation departments to send more people to prison instead of treatment and that the bill’s language is broad. The committee passed SB 1240 on a 4-3 vote. It then took up SB 1095, as amended, which bans gender transition procedures and referrals for minors and limits public funding and use of public facilities for such care; supporters framed it as protecting children and parental rights, while opponents called it discriminatory and medically unsound. The committee adopted the amendment and gave the bill a 4-3 do pass as amended recommendation.
Finally, the committee heard SB 1243 and SB 1244, both dealing with court-ordered mental health treatment. SB 1243 requires notice to guardians when a patient may be released early or when treatment may not be renewed, and allows guardians to seek an independent evaluation and petition for continued treatment; supporters said it helps families prevent dangerous gaps in care, while opponents raised due process concerns about non-medical guardians initiating petitions. The committee passed SB 1243 unanimously. SB 1244 creates a continuing court-ordered treatment process after a second consecutive annual review, reducing repeated renewal hearings while preserving annual reporting and objections; supporters said it prevents dangerous lapses in treatment for the sickest patients, while opponents warned it could weaken due process and allow indefinite confinement. The committee adopted an amendment and passed SB 1244 on a 6-1 vote.
MN
Minnesota 2025-2026 Regular Session
Press Conference: DFL Members Discuss Federal Impacts, Medicaid, SNAP Cuts in 2026 Budget - 04/29/26
Transcript Highlights:
- Can you talk about the funds for HCMC and hospital stabilization? Are those ongoing funds?
- But what we have currently is $300 million for HCMC in the hospital stabilization fund.
- Um are those and hospital stabilization? Um are those ongoing<00:17:37.680>
funds? - That includes 150 stabilization fund.
- 115 million for hospital stabilization 115 million for hospital stabilization grants,<00:18:10.040
Summary:
Senate DFL senators discussed the Health and Human Services supplemental budget on the floor, framing it as a response to federal HR 1 and related Trump administration policies that they said shift costs to states, counties, hospitals, and families. Senators Liz Bolden, Lindsey Port, Erin Murphy, Alice Mann, and Rob Kupec argued the bill is needed to backfill cuts to Medicaid and SNAP, stabilize hospitals, and prevent property tax increases and service disruptions. They said the package totals about $700 million, with more than $250 million aimed at hospital support and roughly $300 million to help counties absorb food-support cost shifts.
Members described the federal changes as adding red tape and work-reporting requirements that would cause eligible people to lose coverage, with estimates cited of more than 150,000 Minnesotans losing Medicaid and about 62,000 losing individual-market coverage due to higher premiums. They also said counties would face new administrative burdens and hiring needs, and that rural hospitals, safety-net providers, and EMS systems would see more uncompensated care. One senator noted Dakota County could face an additional $11 million next year and property tax increases, while another said Minnesota hospitals could see charity care rise by more than $269 million next year.
The discussion also covered specific funding in the bill, including $300 million for hospital stabilization, with $150 million for HCMC, nearly $115 million for other hospital stabilization grants, almost $18 million for community safety-net providers, and $15 million for rural EMS uncompensated care. Senators said these funds are short-term measures, not long-term fixes, and that if the state did nothing, the health care system and SNAP administration could collapse. They said they do not expect Republican support in the Senate and suggested longer-term options could include federal changes after the next election or state-level tax changes on the ultra-wealthy. No vote outcome was stated in the excerpt, but the senators indicated the bill would move forward with DFL support.
NM
New Mexico 2026 Regular Session
House - Appropriations and Finance Jan 22nd, 2026 at 02:01 pm
House Appropriations & Finance
Transcript Highlights:
- As that kind of moved forward, it did stabilize.
- So we did pursue that in an effort to stabilize.
- I think for stability, it would be good to keep the hospitals in.
- I think for stability, it would be good to keep the hospitals in.
- It was as much to stabilize the provider numbers as...
Bills:
HB1
Keywords:
feed bill, legislative appropriations, legislative branch, New Mexico Legislature, general fund, legislative council service, legislative finance committee, legislative education study committee, house chief clerk, senate chief clerk, per diem, mileage, session expenses, interim committees, district staff, capitol complex, capital outlay data system, legislative processing system, redistricting, census redistricting
NM
New Mexico 2025 Regular Session
IC - Federal Funding Stabilization Subcommittee Nov 7th, 2025
Federal Funding Stabilization Subcommittee
Transcript Highlights:
- This is our Federal Funding Stabilization Subcommittee. This is our last day, Ms. Sandra, to meet.
- thing, and I think it's because Obamacare stated that an employer would pick up the medical insurance premium
- The Funding Stabilization Subcommittee reviewed how federal dollars flow into New Mexico and how upcoming
- agencies at once, not the siloed scope of education, health, and human services, transportation, stabilization
- Develop strategies to temporarily stabilize essential services without defaulting to automatic backfills
MN
Transcript Highlights:
- May Minnesota enjoy stability, peace, and prosperity.
- 01:20.080>
May <00:01:20.400>Minnesota <00:01:20.960>enjoy <00:01:21.479>stability - May Minnesota enjoy stability, today.
- May Minnesota enjoy stability, peace,<00:01:22.799>
and <00:01:23.400>prosperity. - lawnmowers, snowblowers, and some small engines that run better and are better maintained if you put in premium
MN
Minnesota 2025-2026 Regular Session
Minnesota House passes bill to create an independent Office of the Inspector General to tackle fraud May 8th, 2026
Minnesota House Floor Meeting
Transcript Highlights:
- fraud unit at DEED that was doing insurance fraud, where their funding comes from our insurance premiums
- where their funding comes from our where their funding comes from our insurance<00:35:03.040>
premiums - <00:35:04.160>
They <00:35:04.400>merged <00:35:04.800>that insurance premiums - They merged that insurance premiums.
- <01:10:09.760>
integrated <01:10:10.320>community stabilization integrated community stabilization
Summary:
The House took up Senate File 856, which would create an Office of the Inspector General to combat fraud in state public programs. Representative Norris described the bill as the product of a long bipartisan, bicameral working group and emphasized the office’s independence, five-year term, Senate confirmation, removal-for-cause protections, authority to investigate entities receiving public funds, prevention-focused duties, and required public and annual reporting. Representative Anderson PE also thanked the bipartisan authors and staff, saying the bill was the result of extensive negotiations and should move forward without reopening the agreement.
Members then considered several amendments. Norris offered a technical cleanup amendment, A44, to clarify language about embedding employees at the Department of Education, distinguish civil and criminal investigative authority, and update law-enforcement terminology; it was adopted. Anderson PE then offered and secured adoption of a technical amendment, A45, to correct a drafting error. Representative Cleorne offered A37 to add prepayment review procedures for all agencies, but it failed on a roll call, 65-67. Cleorne also offered A38 to appropriate $15 million for OIG modernization and data-sharing improvements, but withdrew it after noting it would be out of order. A39, which would have renamed the proposed law enforcement unit from an anti-fraud and waste bureau to an anti-fraud and enforcement unit, failed on a roll call, 66-67, after debate over whether “waste” should be included in the title and scope.
During debate on the naming amendment, supporters argued the title should better reflect law-enforcement work and avoid implying the office was a “waste” agency, while opponents said the existing language reflected the bipartisan working-group agreement and that changing it could jeopardize the bill’s progress. Representative West cited inspector general standards that include waste among their duties, and Representative Pinto questioned the substantive basis for opposing the change. Later, Representative Mhler offered A41 to eliminate the future law-enforcement agency entirely, arguing it would be duplicative and unfunded; the transcript cuts off before the vote on that amendment.
MN
Minnesota 2025-2026 Regular Session
Child Committee Meeting - 2026-03-25
Children and Families Finance and Policy
Transcript Highlights:
- common-sense rule change that ensures that centers can continue to provide the critical care and stability
- <00:22:36.240>
that <00:22:36.400>they <00:22:36.520>deliver care and stability - that they deliver care and stability that they deliver without<00:22:37.560>
taking <00:22:37.880 - Know, child care spots are at a premium. And what is kind of the policy on a center?
- , stabilizes the workforce, ultimately<01:35:15.960>
strengthens <01:35:16.440>communities,
Keywords:
youth intervention, grants, community support, early intervention services, nonprofit, Minnesota human services, forecast adjustment, budget forecast, appropriations, Medical Assistance, MinnesotaCare, Health Care Access Fund, general fund, behavioral health, housing support, General Assistance, Minnesota Supplemental Aid, MFIP, DWP, child care assistance
US
US Federal 2025-2026 Regular Session
US House Floor Proceedings (Tuesday, June 30, 2026)
US Federal House Floor Meeting
Transcript Highlights:
- Another piece of legislation I've offered: an out-of-pocket cap, lower premiums, and more.
- Millions more have seen their health insurance premiums go up by hundreds and thousands of dollars.
- They said that their premium was jumping up from $625 a month to was jumping up from $625 a month to
- Uh, Caitlyn Provos, a 37-year-old single mom and social worker from Henderson, Nevada, saw her premium
- I will argue this debt unless we find a way to start stabilizing it, we are not going to make it another