Video & Transcript Research : 'candidate qualification'
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AL
Alabama 2026 1st Special Session
Alabama Senate Education Policy Committee Feb 11th, 2026
Education Policy
Transcript Highlights:
- something like that, but one that stay there, then you're not going to let them and they got the qualifications
- something like that, but one that stay there, then you're not going to let them and they got the qualifications
- something like that, but one that stay there, then you're not going to let them and they got the qualifications
- 00:20:14.000>
the going to let them and they got the going to let them and they got the qualifications - . qualifications. qualifications.
Keywords:
sales tax exemption, Consumer Price Index, local government, clothing, school supplies, emergency preparedness, Alabama Administrative Procedure Act, APA, administrative law, judicial review, agency deference, Chevron deference, de novo review, contested case, state agency, regulatory power, individual liberty, statutory interpretation, rule interpretation, license revocation
NH
Transcript Highlights:
- So, to your point, though, is if there's a registration process during which different qualifications
- And then if there are any other qualifications pertaining to the right to vote, then sure, yeah, they
- They need something to prove their domicile, and then if there are any other qualifications pertaining
- >
uh <01:07:53.559>if <01:07:53.680>I <01:07:53.799>may qualifications uh - thank you uh if I may qualifications uh thank you uh if I may ask<01:07:54.599>
another <01:07
NY
New York 2025-2026 Regular Session
Senate Standing Committee on Housing, Construction and Community Development - 02/04/2026
Housing, Construction, and Community Development
Transcript Highlights:
- What would the qualifications be for those kinds of contractors?
- Yeah, the qualifications is a question.
- all in localities, that in many cases they are probationary and haven't gone through the basic qualifications
- all in localities that in many cases they are probationary and haven't gone through the basic qualifications
- That in many cases they are probationary and haven't gone through the basic qualifications, which they
Summary:
The Senate Housing, Construction and Community Development Committee met with quorum present and considered a full agenda of housing, code enforcement, and rent regulation bills, many of which had passed the Senate in prior years. Early measures included a statewide residential rental registry (S.912), penalties and reporting for vacant and abandoned properties (S.925), and extending tenant response time for major capital improvement rent increase applications (S.1461). The committee also advanced several code-enforcement and fire/building-code bills, including measures to expand remedies for Uniform Fire Prevention and Building Code violations (S.3406), increase the Secretary of State’s code enforcement powers (S.4165 and S.4534), and authorize investigations into code administration and enforcement (S.4535). Members raised concerns about local fiscal impacts, the scope of state authority, contractor use, and whether the bills adequately define or limit “imminent threat” and related enforcement powers.
A substantial portion of the meeting focused on S.4852, which would require the Codes Council to review and act on updates to international model codes within 18 months. Senators debated whether the bill would speed up code adoption or, as some feared, weaken economic reasonableness considerations by striking the word “economically” from the statutory standard. Supporters said the bill was intended to ensure prompt review of widely used model codes and noted other statutory safeguards remain in place; opponents worried about reduced attention to cost and practical impacts, especially amid housing and utility capacity constraints. The committee also discussed S.6368A, requiring complainants to receive copies of compliance orders issued after code complaints, and S.6600B, mandating inspections of certain non-fireproof buildings in New York City.
Additional bills advanced included standards for all-gender bathroom design and construction (S.7131A), compensation for required code-enforcement personnel training (S.7159), and audits of individual apartment improvements in rent-regulated units (S.8046A). Several measures were reported to Finance, while others were reported to the floor. Throughout the meeting, votes were largely along expected lines, with some members voting negative or “without recommendation” on the more expansive code-enforcement bills. No bill was defeated, and all items on the agenda were reported out of committee.
NH
New Hampshire 2025 Regular Session
Senate Children and Family Law (01/30/2025)
Children and Family Law
Transcript Highlights:
- Gley to very clearly define what those qualifications should be.
- Gley to very clearly define what those qualifications should be.
- Gley to very clearly define what those qualifications should be.
- <00:39:05.480>
that higher levels of qualifications that higher levels of qualifications that - should be it went into qualifications should be it went into s417<00:39:15.400>
into <00:39:16.800
HI
Transcript Highlights:
- And after careful review of her qualifications, testimony, and interview, the Senate Committee on Education
- And after careful review of her<00:04:00.680>
qualifications, <00:04:01.880>testimony, < - 00:04:02.520>
and her qualifications, testimony, and her qualifications, testimony, and interview - So, upon review of his qualifications, experience, and personal interviews, your Senate Committee on
- So, upon review of his qualifications, experience, and personal interviews, your Senate Committee on
Keywords:
immigration enforcement, sanctuary policy, detainer, ICE, federal immigration authorities, 8 U.S.C. 1357(g), 8 U.S.C. 1373, 8 U.S.C. 1644, deportation, undocumented immigrants, noncitizen, migrant rights, local police cooperation, law enforcement cooperation, hold request, judicial warrant, probable cause, civil immigration enforcement, county police, state police
MN
Transcript Highlights:
- , uh, an AI is analyzing, uh, their workforce and trying to predict, uh, who the best promotion candidates
- agencies begin using AI to start screening applicants for entitlement and benefit programs for qualification
- required to rely on AI. entitlement and benefit programs for entitlement and benefit programs for qualification
- 40.960>
also <01:15:41.159>needs <01:15:41.400>to <01:15:41.520>be qualification - they're also needs to be qualification they're also needs to be some<01:15:42.800>
uh <01:15:42.920
CA
Transcript Highlights:
- manner that only one contractor in the entire United States could meet the minimum experience and qualifications
- manner that only one contractor in the entire United States could meet the minimum experience and qualifications
- an RFP, you have to write it so that more than one bidder can meet the minimum experience and qualifications
- For example, in Orange County and the one in San Diego, they set a minimum qualification.
- San Diego, they set a minimum qualification.
NH
New Hampshire 2025 Regular Session
House Executive Departments and Administration (04/16/2025)
Transcript Highlights:
- <01:27:54.400>
for qualifications for qualifications for cosmetology<01:27:56.159>in <01 - Now I know we've done a lot of work over the last few years to try to rightsize qualifications.
- Now I know we've done a lot of work over the last few years to try to rightsize qualifications.
- Now I know we've done a lot of work over the last few years to try to rightsize qualifications.
- I'm glad to take any qualifications.
Summary:
The committee opened a hearing on Senate Bill 185, which would add timelines to Office of Professional Licensure and Certification (OPLC) investigations. Senator Howard Pearl said the bill was prompted by concerns from the New Hampshire Association of Realtors about delays at the Real Estate Commission, and he explained that the proposal would require OPLC staff to make an initial determination within 30 days and, if misconduct is found, complete an investigation within 60 days. He said the goal is to improve transparency and give consumers and licensees more timely information, while preserving the board’s adjudicatory role. He also noted that the bill had been amended to delay implementation to give OPLC time to work through its backlog.
Committee members questioned how the bill would work when an investigation is incomplete and whether the board could send a case back to OPLC without a firm deadline. Pearl said the board would have discretion to continue the investigation or make a final determination, and that the bill was intended to streamline OPLC’s process rather than impose a hard cap on complex cases. OPLC Executive Director Deanna Durus and General Counsel Nicholas Fry then testified that the agency has already changed its procedures under prior legislation, including a facial review of complaints and monthly board review of dismissal memos. They said the bill would substantially alter the current structure, could conflict with existing limitation periods and board duties, and would be difficult to implement without additional staff and funding.
Durus said the agency’s backlog is large, that new complaints are being triaged and prioritized, and that some urgent matters are moved ahead based on risk and statutory deadlines. She said OPLC had completed a review of about 500 backlog cases that would now be dismissed under current screening standards, and that those cases are being turned into memos for board review. Board of Medicine public member Nina Gardner testified in favor of the bill but said the backlog is significant and that the agency needs more resources to make the process work effectively. She said the board is seeing progress, but not fast enough, and suggested the bill may not go far enough without additional staffing and funding. No vote was taken during the hearing.
AR
Transcript Highlights:
- There were changes made to the qualifications for certification...
- This reduces the licensure requirements by removing letters of qualifications.
- This reduces the licensure requirements by removing letters of qualifications.
- And so, given that, what we want to do is ask for the provider's qualifications.
- Sometimes tryouts and walk qualifications are even a safety issue.
Summary:
The Administrative Rules Subcommittee met to review a long agenda of agency rule changes, beginning with housekeeping on the order of business and then taking up rules from multiple state agencies. Early items included Department of Energy and Environment rules on landfill post-closure trust fund spending thresholds and liquefied petroleum gas standards, DFA’s odometer disclosure rule allowing electronic signatures and disclosures, and several Department of Health rules covering ionizing radiation, mobile home and recreational parks, lead-based paint, counseling licensure, hearing instrument dispensers, athletic training, dental specialties and compacts, nursing, pharmacy, physician assistants, medical compacts, speech-language pathology and audiology, radiologic technology, massage therapy, community health workers, doula certification, and cosmetology/body art. Most of these were described as technical updates, conformity with recent acts, federal standards, or compact participation, and nearly all were approved without objection after brief questions and, in many cases, no public comment.
The committee also reviewed Department of Labor and Licensing rules on minimum wage/independent contractor standards, boiler rules, motor vehicle commission requirements for ATV/LSV dealers, professional wrestling regulation, appraiser qualifications, and military recruiting and retention programs. Testimony generally emphasized that the rules implemented recent legislation, updated fees or licensing standards, or streamlined existing processes. Members asked a few questions about fee structures, the rationale for regulating professional wrestling, and how the National Guard’s public-private partnership and incentive programs would work; the department said the recruiting incentives would be funded from existing appropriations and were intended to improve retention and force strength. These rules were also approved without objection.
The most extensive discussion came on the Department of Education’s Arkansas Children’s Educational Freedom Account Program rule. The department said the revisions, based on Act 920 of 2025, were intended to add guardrails, clarify allowable expenses, and speed approval of core educational purchases. Changes included defining core educational expenses, limiting certain sports-related spending, adding an intentional misuse standard, restricting phone purchases except for disability-related needs, setting a $1,000 threshold for additional review of technology purchases, capping carryover funds at $8,500, and creating a reconsideration process for denied expenses. Members raised concerns about safeguards, appeals, sports equipment, provider credentialing, rural vendor access, and whether the department would be flexible or overly restrictive. The department said it would review every request, provide written explanations for denials, allow appeals up to the State Board, and refer suspected fraud to prosecutors if necessary. After hearing from 13 members of the public, the committee continued to discuss the rule, but the transcript ends before any final vote on the EFA rule is shown.
FL
Transcript Highlights:
- But I kind of wanted to ask some questions about the process, maybe how you—so what qualifications or
- It's our top priority to serve all the folks, so to answer your question about qualifications, again,
- But I kind of wanted to ask some questions about the process, maybe how you—so what qualifications or
- It's our top priority to serve all the folks, so to answer your question about qualifications, again,
- It's our top priority to serve all the folks, so to answer your question about qualifications, again,
Summary:
The Committee on Community Affairs met with a quorum and heard two bills, a confirmation, and two agency presentations. SB 48 by Senator Gates would require local governments to allow voluntary accessory dwelling units, preserve homestead exemption for the owner-occupied portion, limit parking restrictions, require 30-day minimum leases, extend density bonuses for military-family housing, and allow reusable tenant screening reports. The bill drew strong support from the Florida Association of Mortgage Professionals and several others, and it was reported favorably on a unanimous roll call. SB 34 by Senator Sharief would expand the Historic Cemetery Program, particularly to help historic African-American cemeteries preserve and maintain themselves by allowing sale of excess vacant land only if proceeds are used for long-term upkeep; it also passed unanimously and was reported favorably.
The committee also recommended confirmation of Fox Henderson to the Florida Housing Finance Corporation Board of Directors by unanimous vote. In addition, the Department of Commerce presented on the Community Development Block Grant Disaster Recovery program and Rebuild Florida, describing more than $4.3 billion in HUD disaster recovery funds since 2017, housing repair and replacement efforts that have completed more than 5,200 homes, and infrastructure and mitigation projects across the state. Members asked about average project costs, contractor oversight, corrective actions for deficient work, and clawbacks from a prior vendor; Commerce said it had ended the earlier vendor relationship, imposed about $3.6 million in financial consequences, and now uses stronger oversight and competitive procurement for contractors.
The Division of Emergency Management then presented on Elevate Florida, a federal mitigation program that allows homeowners to apply directly for elevation, reconstruction, acquisition, or wind-mitigation projects, with a 75/25 federal-homeowner cost share and no state funds used. Director Kevin Guthrie said the program is intended to reduce repetitive flood losses, keep homeowners in their communities, and serve as a national model; he reported more than 12,000 applications, about 1,500 prioritized for review, 500 on a wait list, and 305 submitted to FEMA for final approval. Members asked about assistance for seniors who cannot meet the 25% match, the wait-list process, contractor selection, and the mix of project types, and Guthrie said contractors were selected through competitive procurement and that most projects are elevations, though some may become reconstructions or acquisitions depending on inspection results. The committee adjourned after the presentations.
TX
Transcript Highlights:
- Therefore, they would need to meet the qualifications for a mortgage loan.
- And meet the qualifications set by this profession.
- Concerns have arisen regarding the qualifications and background of individuals serving on these boards
- oversight boards across Texas by ensuring members meet a basic standard of legal and ethical qualifications
- We thought you had some judgment on what the qualifications should be for someone. ...to be on these
Bills:
SB250, SB375, SB536, SB845, SB1633, SB1944, SB1957, SB2081, SB2137, SB2262, SB2299, SB2419, SB2452, SB2522, SB2549, SB2594, SB2605, SB2631, SB2639, SB2675, SB3029, SJR60, HB22, HB1392, HB2525, HB22
Keywords:
municipal annexation, railroad, adjacent areas, local government, property rights, healthcare provider, Harris County Hospital District, hospital funding, healthcare services, public health program, home loans, nurses, veterans, public servants, Texas Heroes program, low-interest loans, social workers, housing assistance, SB 1633, Texas Tax Code
KY
Kentucky 2026 Regular Session
House Standing Committee on Economic Development & Workforce Investment (3-19-26)
Economic Development & Workforce Investment
Transcript Highlights:
- the<00:11:33.920>
right um who may not have the right um who may not have the right qualifications - , qualifications, qualifications, social<00:11:37.000>
security <00:11:37.240>number, <00 - So, he kind of has a buffer there between the administration and some qualification periods.
- <00:27:05.200>
some administration and and and some administration and and and some qualification - qualification periods. qualification periods.
MN
Transcript Highlights:
- They could be qualifications, schedule, the quality, or performance-based criteria that we use in the
- We felt that we needed a certain type of contractor with qualifications.
- The other one we do is we do a lot of pre-qualification, which is a component of best value.
- We talked about useful for pre-qualifications of their workforce or their leadership.
- know the project manager qualifications know the project manager qualifications but<01:15:18.880
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Health Care Financing Jun 21st, 2026 at 11:00 am
Joint Committee on Health Care Financing
Transcript Highlights:
- I'm also a Ph.D. candidate in medical anthropology at Brown University.
- After the ACA passed, Medicare and Medicaid qualification requirements still made it challenging to get
Summary:
The Joint Committee on Health Care Financing held a public hearing on 16 bills, with the chairs noting a busy legislative day and asking speakers to keep testimony brief. The committee first heard testimony on Senate 860/House 1405, the Medicare for All bill, with Sen. Jamie Eldridge and many advocates, clinicians, municipal officials, and patients arguing that a single-payer system would make care a right, reduce administrative waste, lower costs, and protect residents from rising premiums, medical debt, and hospital closures. Several speakers cited the Steward hospital crisis, affordability problems, and polling or ballot questions showing public support for single-payer coverage. No vote was taken during the hearing.
The committee then took testimony on S. 863, a bill on non-opioid options for chronic pain. Pain specialists, patients, and advocates said the bill would improve care coordination for MassHealth members, expand access to non-opioid medications, require provider education, and collect data on chronic pain. Testifiers described long delays in diagnosis and treatment, stigma toward pain patients, and the need for multidisciplinary care and transportation support. Again, the committee heard testimony only and took no action.
A large portion of the hearing focused on H. 1360/S. 869, which would prevent discrimination against people with disabilities in health care. Disability advocates, clinicians, and patients described being denied or delayed care, pressured into DNR orders, or treated based on assumptions about quality of life rather than medical facts. Speakers referenced COVID-era crisis standards of care, discriminatory metrics, and personal stories involving canceled procedures, inadequate accommodations, and poor treatment in hospitals. Committee members thanked speakers for their testimony and said they would review the bill and its implications, but no vote was announced.
The committee also heard testimony on H. 1399, an individual Medicare marketplace option for municipal retirees, where supporters said it would give cities and towns a lower-cost alternative for retiree health benefits through HRAs and individual Medicare plans. The hearing then returned to Medicare for All testimony, with additional supporters repeating arguments about cost, access, municipal budget pressure, and the need for global budgeting and universal coverage. The transcript ends with continued testimony and no recorded committee vote or final action on any bill.
AR
Arkansas 2026 1st Special Session
EDUCATION COMMITTEE - SENATE AND HOUSE May 18th, 2026
Transcript Highlights:
- “Yeah, but I think my point was just that it seems like the qualifications and the fact that you all
- This program specifically looked at top-tier teacher merit pay candidates, which I want to say there's
Summary:
The committee first approved the March 9 and 10 minutes, then heard a presentation from the Arkansas Excellence in Teaching Fellowship Program featuring three third-grade teachers from Poyen, Drew Central, and Cabot, along with Department of Education Secretary Jacob Oliva. The teachers described the fellowship as a year-long collaboration among 23 merit-pay recipients from across the state, focused on sharing classroom strategies, data use, and professional support. Members asked about teacher experience, how the fellowship information is shared locally, the role of merit pay, and how teachers are addressing third-grade reading and retention concerns under the ATLAS assessment system. The teachers emphasized early intervention, relationships with students, small-group instruction, progress monitoring, and communication with families; they also described community supports such as churches, food backpacks, and local donations. Several members raised broader questions about poverty, trauma, social services, DHS involvement, and whether similar professional learning should be expanded to more teachers. Secretary Oliva said the fellowship is a small subset of a larger merit-pay program, that participation was voluntary, and that the state is working to improve literacy supports, clarity, and alignment across grades. He also said ATLAS results are now available to schools and families much faster than in the past, often within 24 to 72 hours, and that the state is using the data to identify at-risk students earlier and support intervention before retention decisions are made.
The committee then moved to the adequacy/resource allocation presentation from the Bureau of Legislative Research. Staff explained that the report is part of the statutory adequacy review and focuses on state funding sources beyond foundation aid, including categorical and supplemental funds. They noted that districts and charters spent more than $7 billion in the 2025 school year, with roughly 49% from foundation funding and 51% from other sources over the last three years. The presentation outlined the four categorical funds—Alternative Learning Environment, English Learners, Enhanced Student Achievement, and Professional Development—describing their restricted uses, student-based funding formulas, and the ability of districts to transfer some money among categoricals while keeping it within allowable purposes. Staff said categorical funds account for about 4% of total spending, or less than $300 million, and reviewed superintendent feedback on whether those funds met district needs, with responses varying by category and district.
AR
Arkansas 2026 Regular Session
EDUCATION COMMITTEE - SENATE AND HOUSE May 18th, 2026
Transcript Highlights:
- Yeah, but I think my point was just that it seems like the qualifications and the fact that you all received
- This program specifically looked at top-tier teacher merit pay candidates, which I want to say there's
Summary:
The committee approved the March 9 and 10 minutes and then heard a presentation from the Arkansas Department of Education on the Arkansas Excellence in Teaching Fellowship, featuring three third-grade teachers from Cabot, Poyen, and Drew Central who are also teacher merit pay recipients. The teachers described the fellowship as a year-long Zoom-based collaboration with about 23 educators statewide, focused on sharing classroom strategies, data use, and professional support. Members asked about the teachers’ experience, how they share what they learn with their districts, the range of grades represented in the fellowship, and the relationship between the fellowship and merit pay. The teachers emphasized building relationships with students, using data to drive instruction, early intervention, and collaboration across grade levels, while the secretary said the program is intended to identify and elevate high-performing teachers and spread their practices.
A major portion of the discussion focused on third-grade reading, retention, and the new ATLAS testing system. Teachers and the secretary said students are screened and progress monitored throughout the year, families are notified early if students are at risk, and schools are using interventions, tutoring, and individualized reading plans. They said ATLAS results are now available much faster than in the past, often within 24 hours or a few days, allowing teachers and parents to respond quickly. Members asked about the impact of poverty, trauma, foster care, DHS involvement, IEPs, and critical shortage areas; teachers said relationship-building, small-group instruction, and coordination with counselors and special education staff are key. The secretary said the fellowship is a small subset of a broader merit pay program, that participation was voluntary, and that the state is trying to build a coherent system with literacy coaches, high-impact tutoring, and clearer standards rather than teaching to the test.
Members also discussed broader policy issues, including the need for more positive public messaging about public education, teacher input in decision-making, and support for early childhood education. Several legislators asked whether the state should expand funding for early learning and whether more literacy or academic coaches are needed in districts that improve and then lose eligibility for state support. The secretary said the state has committed literacy coaches to D and F schools and is still working through how to sustain support as schools improve. He also said the administration would look at data and return on investment before supporting additional funding, and he encouraged legislators to help recruit eligible teachers into future fellowship cohorts. After the teacher panel concluded, the committee moved on to the adequacy resource allocation study, where Bureau of Legislative Research staff began a presentation on state and local education funding sources, categorical funds, and district spending patterns.
ND
North Dakota 2025-2026 Regular Session
Child Custody Review Task Force Apr 13th, 2026
Transcript Highlights:
- governance model, including the location of judges and staff, the geographic districts, and the qualification
- And, you know, I'd like to be very candid with this that when the legislature mandates participation
Summary:
The Child Custody Review Task Force met to approve prior minutes and then worked through draft legislation related to a possible family court study committee. The group discussed the proposed 15-member committee’s makeup in detail, including whether to add parent representation, judges, family law section members, child support, clerks of court, domestic violence advocates, and other stakeholders. The task force ultimately agreed to keep the committee at 15 members, reduce the legislative membership from eight to six, add two judges from different districts, add two family law section members with rural and urban representation, include one parent subject to a custody order, and replace the mental health professional with a clerk of court representative appointed through the trial court administrator’s office. The draft was also revised to keep domestic violence advocacy representation and to clarify that the study could consider juvenile court issues as part of the family court umbrella. The committee voted to approve the revised draft and recommend it to Legislative Management, with one recorded “no” vote from Judge Hovey after the meeting resumed.
The task force then turned to a second draft dealing with requiring participation in a family transition program, which was renamed in discussion to a parenting education course. Members debated whether the bill should simply refer to an existing program like Parents Forever or instead specify broader education about the court process, parental rights, co-parenting, and related issues. Some members supported the requirement as a way to reduce conflict and improve understanding of the system, while others raised concerns about vague language, cost to parents, lack of exemptions, and whether the bill was too open-ended or potentially duplicative of other legislation. The discussion became lengthy and unresolved, with the drafter noting that more specific direction would be needed to revise the bill. The transcript cuts off before a final vote or action on this second draft is shown.
AL
Alabama 2026 1st Special Session
Alabama Senate County and Municipal Government Committee Jan 20th, 2026
County and Municipal Government
Transcript Highlights:
- Uh, they are wanting to up their qualification fees for their candidates for municipal offices and then
Keywords:
law enforcement, taser, restrained individuals, police procedures, civil rights, income tax, tax exemption, Alabama tax code, Section 40-18-3, civilian employees, Department of Defense, DoD, Armed Forces, military pay, combat zone, deployment, National Guard, Reserve components, emergency response, federal employees
TX
Transcript Highlights:
- I'm not sure what qualifications I have to speak on this, but I am an ordained man.
- mentioned that I had seven years of campaign experience at that time, and I worked for a former mayoral candidate
Keywords:
SB 6, Woman and Child Protection Act, abortion, abortion-inducing drugs, medication abortion, mifepristone, misoprostol, pro-life, pro-choice, Texas abortion law, civil liability, qui tam, private enforcement, bounty hunter law, attorney general, parens patriae, abortion litigation, anti-SLAPP, Texas Citizens Participation Act, fee shifting
TX
Transcript Highlights:
- You referred to the provision that says the commissioner must consider the qualifications.
- Yes, must consider... ...the qualifications, right? Yes, sir.
- So can you help me understand what you think are the qualifications that an appraiser and an umpire should
- So it would be someone with experience and qualifications to do that, handling and writing estimates,
Bills:
HB345, HB721, HB2580, SB815, HB3057, HB4603, HB3233, SB495, HB3863, HB3914, HB4570, HB5099, HB5173, SB458
Keywords:
insurance, appraisal process, disputed losses, residential property, policyholder rights, insurer obligations, natural disasters, appraisal expenses, umpire selection, policyholder, insurer, umpire, claims management, health care, cost disclosure, benefit plan, administrators, traumatic brain injury, health benefit plans, insurance coverage