Video & Transcript : 'captive insurers' :
Page 45 of 500
LA
Transcript Highlights:
- Today is Tuesday, March 24th, and this is a hearing of the House Insurance Committee.
- on another party's liability insurance, it is done without violating the LOIA.
- It clarifies who gets the benefit of that insurance.
- Once the policy is purchased, the additional insured will be informed by the primary insured or its broker
- insurance is obtained.
MO
Transcript Highlights:
- For damage under an actual cash value insurance policy, the insurer must pay the amount it would have
- And as those insurance rates did go up, the, what Rep. Thompson?
- Hampton Williams, with the Missouri Insurance Coalition.
- Brandon Koch, also from the Missouri Insurance Coalition.
- Gutter isn't covered by insurance anymore.
Summary:
The Insurance Committee held a public hearing on House Bill 2250, sponsored by Rep. Jacqueline Zimmerman, which would require insurers to cover full siding replacement when storm damage affects only part of a home and matching siding is not reasonably available. Zimmerman said the bill would codify existing Missouri case law, address homeowner complaints after hailstorms, and make clear that insurers must restore a reasonably uniform appearance. Committee members generally expressed support for the goal, while also discussing possible scope changes, such as limiting coverage to street-facing elevations, and possible disclosure requirements to better explain policy coverage to consumers.
The Missouri Insurance Coalition testified in opposition, saying the bill could increase premiums for all homeowners and that consumers should be able to choose more affordable policies with less coverage. Coalition witnesses said matching siding issues are often cosmetic, that carriers already offer different policy options and riders, and that requiring full wrap coverage could create upward pressure on rates. They also noted that severe weather has made these disputes more common and said the Department of Commerce and Insurance and brokers can help consumers understand their policies. Committee members debated whether partial repairs truly make homeowners whole, and several compared the issue to blending paint on cars or matching repairs after hail damage.
After the HB 2250 hearing ended, the committee established a quorum and moved into executive session on House Bill 3328. The committee adopted a House committee substitute that renamed the program the Stronger Home program, removed IBHS certification in favor of a non-biased third-party testing lab, and removed an adjuster cap. The committee then voted 9-0 to report the House committee substitute for HB 3328 do pass, and the meeting adjourned.
WA
Washington 2025-2026 Regular Session
House Consumer Protection & Business Feb 10th, 2026
Transcript Highlights:
- But they're also able to have insurance that will help cover that, where we don't have that type of insurance
- and insurance affordability.
- And, of course, property insurance on that, but liquor liability insurance here is just crazy right now
- insurance we are testifying other because the bill highlights a much bigger issue liquor liability insurance
- They might do is get in touch with their insurance company and turn their defense over to that insurance
Summary:
The House Consumer Protection & Business Committee held a public hearing on a bill concerning indemnification of commercial liquor servers. Staff explained that under current law, both licensed retailers and individual servers can face administrative penalties and civil liability if they sell alcohol to someone apparently under the influence, and the bill would require the retailer to pay the server’s defense costs and any civil judgment, while preserving existing administrative penalties and causes of action against the retailer. Members asked about how the current penalty structure works, whether the bill would change administrative enforcement, and how liability would apply in situations involving a lone server or multiple establishments; staff said the bill did not specifically address those scenarios.
The prime sponsor said the bill was intended to protect lower-paid servers from losing everything in civil lawsuits when they were not the ones who violated the law, while still holding accountable those who actually break the rules. She emphasized that the bill was meant to start a broader conversation and that the term “indemnification” was used as a placeholder for the policy concept. Members raised questions about whether the retailer’s insurance would cover judgments, how the proposal would interact with existing liability rules, and whether cannabis service would be included; the sponsor said cannabis was not currently covered but might be if treated like alcohol in the future.
A representative of the Washington Hospitality Association testified that liquor liability insurance is increasingly expensive and difficult to obtain, with fewer insurers, higher premiums, and some businesses unable to get coverage. The association said the bill would not materially change current law because licensees already defend themselves and employees in civil suits, but it would not stop servers from being named in lawsuits, which can still harm workers’ backgrounds and future employment. The association argued the larger problem is lawsuit abuse and urged broader reforms to damages, demand rules, and joint-and-several liability. The hearing ended with the committee closing public testimony on the bill.
ID
Transcript Highlights:
- Some are self-insured.
- The director of the Office of Group Insurance tells me there are 27,875 employees insured in the state
- And all of a sudden we've got a spike in our insurance costs.
- insurance for your city employees?
- I've just heard that in a small place, you know, you can't find insurance, and the insurance... ...heard
Summary:
The committee first approved the minutes from Thursday, March 12, and then held House Joint Memorial 19 subject to the call of the chair because Superintendent Critchfield was unavailable. The main item of business was House Bill 725, which would allow Idaho cities to apply to join the state employee health insurance pool through the Office of Group Insurance. Representative Cheatham said the bill is intended to give cities an option to seek lower and more predictable health insurance costs, with all expenses paid by the participating cities. Supporters, including the mayors of Pocatello and Idaho Falls and an Idaho Falls firefighters representative, said rising premiums are straining city budgets, and that joining a larger pool could improve predictability, recruitment, and retention. Committee members questioned whether the bill would shift costs to state taxpayers or attract only higher-risk groups; the Office of Group Insurance administrator said cities would pay 100% of costs, the state general fund would not be affected, and each city would undergo an actuarial review. The committee then voted to send HB 725 to the floor with a do pass recommendation.
The committee next considered RS 33618, a draft bill from Representative Crane to prohibit foreign persons, foreign corporations, foreign governments, foreign REITs, and certain SEC-registered companies from purchasing single-family homes in Idaho. Crane said the measure was meant to prioritize Idahoans in the housing market and limit purchases by large outside entities. Members raised concerns about the breadth of the proposal and how it would affect noncitizens, temporary workers, foreign-owned businesses, and people tied to mining or other industries. The Office of Group Insurance administrator was not involved in this item, but the discussion focused on definitions, enforcement, and whether the bill could be too broad. After debate, the committee voted to introduce RS 33618 with a technical change on page 2, line 13, changing “and” to “or.”
TX
Transcript Highlights:
- Yet for private insurance mandates, no such answer exists.
- It would be the same for commercial insurance as well.
- Just cash and say, hey, go get your own insurance.
- Insurance is the, health insurance is the one place where someone doesn't know what the cost of the item
- Full disclosure, I'm not an insurance.
Keywords:
health impact analysis, cost analysis, coverage mandates, health insurance, legislative analysis, health care data, education, funding, classroom resources, teacher support, student outcomes, health benefits, provider dentists, payment reimbursement, insurance code, noncontracting, dental care, reimbursement, health benefit plans, noncontracting providers
TX
Transcript Highlights:
- notice to the existing insurer.
- Um, so this is similar, but in health insurance and for life insurance.
- I had an insurance agent whose life insurance premium went down.
- insurance aspect, but we do support the concept of self-insurance in that area.
- for insurance.
Bills:
HB106, HB144, HB145, HB252, HB1732, HB2221, HB2467, HB2468, HB2517, HB2518, HB2963, HB3016, HB3689, HB3960, HB4386, HB4490, HB4751, HB5247, HJR175, HB2213, HB106, HB144, HB145, HB252
Keywords:
HB 106, oil and gas, Railroad Commission of Texas, overhead electrical lines, electrical distribution system, power line maintenance, administrative penalty, Natural Resources Code, oil and gas lease, well operator, energy safety, utility infrastructure, regulatory compliance, cleanup fund, oil and gas regulation and cleanup fund, production safety, leasehold operations, electric utility, distribution poles, inspection
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 2/13/25
Commerce Finance and Policy
Transcript Highlights:
- One of the reasons that insurance tends to go up is because of fraud and fraudulent claims in the insurance
- premiums and the cost of insurance going up because of fraud and fraudulent claims in the insurance
- , were automobile insurance, homeowners insurance, health insurance, workers' comp, and life insurance
- 07:24.560><c> comp</c> insurance health insurance workers comp insurance health insurance workers comp
- c> Strike</c> insurance strike insurance fraud Strike insurance strike insurance fraud Strike Force<01
NY
Transcript Highlights:
- The Senate Standing Committee on Insurance.
- to mortgage guarantee insurance.
- Next, the agenda, Senate Bill 6749 by Senator Webb: an act in the Insurance Law in relation to insurance
- An act to amend the Insurance Law in relation to requiring health insurance to provide coverage for speech
- to notifying an insured of a rate filing increase for long-term care.
Summary:
The Senate Standing Committee on Insurance met and considered a long agenda of bills focused on health coverage, insurance regulation, and related consumer protections. Measures discussed included coverage for infant formula, restrictions on step therapy for serious mental health conditions, physical and occupational therapy services, outpatient substance use disorder treatment without pre-authorization, mortgage guarantee insurance, patient navigation services, specialized dental benefit plan information, firefighter medical exams, the Strength and Homes Program, accident prevention course instruction, early egg and peanut allergy coverage, speech therapy for stuttering, dog-breed-related insurance restrictions, insurer advertising requirements, prescription drug substitution during shortages, and notice of long-term care rate increases. Members also discussed the rationale for some bills, including concerns about outdated advertising rules and the importance of allergy-related coverage for children.
Most bills were moved favorably, with several reported to the floor and others referred onward to the Finance Committee, Substance Use Disorder Committee, or Transportation Committee. Notable referrals included the infant formula, patient navigation, allergy coverage, stuttering therapy, and drug shortage substitution bills to Finance; the substance use disorder bill to the Substance Use Disorder Committee; and the accident prevention course bill to Transportation. Bills on mental health step therapy, mortgage guarantee insurance, specialized dental plan information, firefighter exams, dog breed restrictions, and insurer advertising requirements were reported to the floor.
The committee also took recorded votes, with some members noted as without recommendation or without recusal on certain bills, and Senator Helming recorded in the negative on the long-term care rate increase notice bill. Overall, the meeting concluded with all agenda items acted on and no bill defeated outright.
CA
California 2025-2026 Regular Session
Senate Energy, Utilities and Communications Committee May 12th, 2026
Energy, Utilities and Communications
MN
Minnesota 2025-2026 Regular Session
Creating the Educator Group Insurance Program (Part 2) 2/26/26
Minnesota House Floor Meeting
Transcript Highlights:
- We need to share insurance pool.
- Wages are health insurance.” Not everyone takes the insurance, but everyone takes the wages.
- with a statewide insurance plan.
- with a statewide insurance plan.
- </c> contract right now for health insurance. contract right now for health insurance.
TX
Texas 89th 2nd C.S.
Senate Committee on Health and Human Services May 27th, 2026
Health & Human Services
Transcript Highlights:
- The next one shows you that insurance... The next one shows you that insurance stimulates demand.
- don't have insurance.
- That's when insurance is there. You die. That's when your life insurance kicks in, right?
- And now they have no insurance.
- So if you have insurance, you have to go through your insurer and pay the higher insurance price.
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Financial Services Jun 21st, 2026 at 10:00 am
Joint Committee on Financial Services
Transcript Highlights:
- There are so many different insurance companies, even within an insurance company; there are so many
- And, you know, if you think about insurance, not just health insurance, but any insurance, really, they
- There are so many different insurance companies, even within an insurance company, there are so many
- And, you know, if you think about insurance, not just health insurance, but any insurance. insurance,
- not just health insurance, but any insurance.
Summary:
The committee held a hearing on several health care access and insurance-related bills, with most testimony focused on H.1136 to improve the prior authorization process. The Massachusetts Medical Society, Massachusetts Health and Hospital Association, Health Care for All, the Leukemia & Lymphoma Society, physicians, and hospital representatives all supported the bill, arguing that prior authorization delays care, increases administrative burden, contributes to clinician burnout, and can worsen patient outcomes. Witnesses described examples involving delayed cancer treatment, diabetes care, COPD medication, shingles pain treatment, and hospital discharge delays. They said the bill would preserve prior authorization but add guardrails such as longer validity periods, continuity-of-care protections, faster responses for urgent care, clearer lists of services requiring authorization, and more transparency and standardization.
The committee also heard testimony on H.1142/S.783 regarding equitable reimbursement for certified registered nurse anesthetists (CRNAs), with Senator Lovely and CRNA advocates supporting parity with physician anesthesiologists. They said CRNAs provide the same services at the same standard of care, but private insurers sometimes reimburse them at lower rates than physicians, which they argued is inconsistent with federal and state policy and harms access. Senator Keenan testified in support of a bill addressing claim denials and appeals, saying insurers should provide clearer explanations, time to resubmit claims, and timely appeal responses. Dr. Lorraine Schratz supported H.1126 to align state patient disclosure requirements with federal No Surprises Act rules, and Dr. Michael Trimbley supported H.1120 to recognize direct primary care as not being insurance and to encourage primary care participation.
The committee also heard testimony on H.1140/S.801 to remove barriers to patient care by updating insurance statutes to reflect nurse practitioners’ full practice authority, and on H.1168/S.A.18 to eliminate the PCP referral requirement for specialty gynecological care. Witnesses on those bills described delays and denials affecting autism diagnosis, nutrition coverage, and endometriosis care, and said the proposals would reduce unnecessary barriers and improve timely access. After testimony and a few member questions, the chair closed the hearing; no votes were taken during the session.
NM
New Mexico 2025 Regular Session
IC - Legislative Finance Nov 20th, 2025
Transcript Highlights:
- . of Insurance.
- An insurance policy by the doctor requires it to insure all past claims to present.
- From this point forward, that insurance company is going to take that term of insurance.
- So that's only current insurance term. That insurance scrutiny has to cover the claim.
- Do I pay my insurance? But how do we get insurance companies not to blanket the entire state?
MA
Massachusetts 2025-2026 Regular Session
Joint Committee on Financial Services Jun 21st, 2026 at 10:30 am
Joint Committee on Financial Services
Transcript Highlights:
- Insurance coverage remains highly inconsistent.
- If insurance is going to cover what is referred to as gender-affirming care, it is only fair that insurance
- It's an insurance coverage question, to be sure.
- necessary but covered by insurance.
- The major barrier has been insurance.
Summary:
The committee heard testimony on a wide range of health insurance and public health bills, with most speakers focused on expanding coverage for specific treatments and services. Bills discussed included H. 1187/S. 792 on rehabilitation counselors, H. 1173/S. 692 on patient navigation, S. 2600 on scalp cooling for chemotherapy patients, S. 2599 on medically necessary treatment for port wine birthmarks, H. 1164 on licensed educational psychologists for child and adolescent mental health services, S. 754/H. 1254 on autism diagnosis and treatment by nurse practitioners and psychiatric nurse mental health clinical specialists, S. 714/H. 1137 on infectious disease response and coverage, and S. 791 on making nature a prescriptive therapeutic intervention. Speakers generally argued these bills would improve access, reduce out-of-pocket costs, and address gaps in current insurance reimbursement rules.
Testimony in support emphasized personal stories and clinical evidence. Cancer patients and providers described the benefits of patient navigation and scalp cooling for dignity and quality of life during treatment. Boston Children’s Hospital staff and families said port wine birthmark treatment is medically necessary, can prevent complications, and should not be denied as cosmetic. Rehabilitation counselors and school psychologists argued their services are effective, cost-saving, and underused because they cannot bill insurance. Autism advocates said current insurance statutes are outdated because nurse practitioners and psychiatric nurse mental health clinical specialists already provide evaluations and should be recognized for reimbursement to avoid delays in early intervention. Public health and GLAD Law testimony supported stronger infectious disease coverage to remove barriers to testing, treatment, and PrEP access.
The hearing also included extensive testimony on H. 1172, a bill requiring insurance coverage for detransition-related care. Supporters said it would ensure coverage for medically necessary care for people who regret or reverse gender transition, while opponents argued it would legitimize anti-trans narratives or, conversely, that detransition care is needed because transition procedures can cause harm. The committee also heard strong support for S. 791 from advocates who described nature access as a health intervention that could help with trauma, anxiety, substance use recovery, and environmental justice, with claims that insurance coverage and reduced park fees would improve access. No votes were taken during the transcript, and the chair repeatedly thanked speakers and moved through the long list of public testimony.
LA
Transcript Highlights:
- insurance pool to a broader commercial coverage.
- This instrument provides relative to bank-owned life insurance, to provide for an insurable interest,
- And the restriction is insurable interest: the bank has to have an insurable interest at the time of
- What this legislation does is a compromise between the insurers and the Department of Insurance to set
- Frank O'Pelka, Louisiana Department of Insurance.
TX
Texas 89th 2nd C.S.
Health Care Affordability, Select Apr 30th, 2026
Health Care Affordability, Select
Transcript Highlights:
- We have the Chair of Insurance.
- I'm talking about folks that either have government-sponsored insurance or private insurance.
- insured.
- Insurance doesn't pay for that, right? But you need a colonoscopy. Insurance pays for that.
- You know, Therefore, the insurers are actually not being insurers now.
CA
California 2025-2026 Regular Session
Assembly Insurance Committee Apr 22nd, 2026
Transcript Highlights:
- Welcome to the Assembly Insurance Committee.
- As a result, many survivors see their insurance claims...
- It requires insurers to follow wildfire-specific public health guidance for smoke claims, ending insurer-by-insurer
- It also prohibits insurers from terminating additional living expenses until, Prohibits insurers from
- It does not change insurance coverage.
Summary:
The Assembly Insurance Committee met as a subcommittee at first because a quorum was not initially present, then later established a quorum and heard several bills. The main special-order item was AB 1795 (Gibson), which would create statewide standards for testing, inspection, and remediation of wildfire smoke damage in homes, with CalEPA and public health agencies developing science-based standards and insurers required to follow new claims-handling timelines. Supporters, including Insurance Commissioner Ricardo Lara and wildfire survivors, said the bill would bring consistency and safety; insurers and consumer groups generally supported the concept but sought further amendments on scope, standards, and claim handling. The committee voted do pass as amended and refer AB 1795 to Appropriations, with the roll held open for later additions.
The committee also considered AB 1576 (Ortega) on the Subsequent Injury Benefit Trust Fund, which would make changes intended to reduce litigation and employer assessments while preserving the program’s purpose of encouraging hiring of workers with prior disabilities. Labor-side witnesses supported the bill as a reform step, while business, public entity, and insurance groups opposed it, arguing it did not address the core structural problems and that a trailer bill was a better vehicle for broader reform. AB 1576 was voted do pass to Appropriations, with the roll held open.
AB 1931 (Papan) would create an optional limited-lines license for utilities to offer home protection products for repairs to appliances and utility service lines. Support came from HomeServe, utilities, and industry groups, who said the bill would clarify current law and add consumer protections such as training, disclosures, and a free-look period; there was no opposition in the room. The committee passed AB 1931 to Appropriations. AB 2361 (Pacheco) would limit vicarious liability for peer-to-peer vehicle-sharing platforms like Turo while preserving insurance coverage requirements; supporters said it would align California with other states, while consumer attorneys opposed it as reducing accountability and consumer recovery. The committee passed AB 2361 as amended to Appropriations. AB 2098 (Kalra), heard later, would require employers to allow leave for workers to attend treatment for occupational injuries during work hours, subject to notice and business-necessity limits; labor groups supported it and business and insurance groups sought narrower standards. It was also voted do pass to Appropriations. The committee then completed roll-call add-ons and adjourned.
AL
Alabama 2025 Regular Session
Alabama Senate Banking and Insurance Committee Apr 16th, 2025
Banking and Insurance
Transcript Highlights:
- We have prohibited insurance brokerage agencies and other commercial health insurers from selling Alpha
- But then, the Department of Insurance can review and... ...the Department of Insurance can review and
- Then the Department of Insurance could weigh in and say, to the... ...insurance could weigh in and say
- Every other Alabamian with insurance, even car insurance, has the right to appeal to the Department of
- Insurance.
AZ
Arizona 2026 Regular Session
06/11/2026 - Senate Director Nominations
Transcript Highlights:
- We represent a major insurer, but I’m not here on behalf of the insurer.
- We represent a major insurer, but I’m not here on behalf of the insurer.
- We represent a major insurer, but I’m not here on behalf of the insurer.
- You know, I can say this: when the last insurance commissioner was walking out the door—I say insurance
- And the last insurance commissioner was walking out the door—I say insurance commissioner, by the way
Summary:
The Committee on Director Nominations met with four members present and approved the prior minutes without objection. Chair Jay Kaufman outlined the committee’s role in reviewing executive nominations and explained the hearing process for three nominees: Mary Foote for the Office of Economic Opportunity, Debbie Johnston for the Department of Health Services, and Chuck Bassett. Foote did not appear for her hearing, and members discussed her absence and alleged omissions in her disclosure materials, including prior service with Planned Parenthood-related organizations. The committee then moved to reject her nomination, and the motion passed 3-2, recommending that the full Senate reject Mary Foote.
Debbie Johnston, nominee to lead the Department of Health Services, appeared and gave an opening statement describing her Arizona background, prior Senate staff work, and more than 20 years with the Arizona Hospital and Health Care Association. She said her priorities at ADHS include rebuilding trust in public health licensing, improving stakeholder engagement, standardizing rulemaking communication, addressing alleged religious discrimination and retaliation concerns in licensing, and using technology and AI to improve efficiency. In questioning, senators pressed her on her management style, conflict-of-interest safeguards given her prior industry role, enforcement priorities, budget pressures, behavioral health and assisted living oversight, and the department’s response to COVID-19. Johnston said she would follow statutes, recuse herself from enforcement matters involving former contacts, and resign if directed to carry out an unlawful policy. She also said the department does not regulate therapy itself, only facilities, and that it would rely on legal counsel regarding the governor’s conversion-therapy executive order and related federal civil-rights allegations.
Several senators focused on public health trust and the department’s pandemic response, with Johnston acknowledging concerns about closures, data collection, and communication during COVID-19 while saying she would review past after-action materials and be better prepared in the future. Public testimony from stakeholders in aging services and health care strongly supported her confirmation, praising her accessibility, responsiveness, and collaborative approach. After testimony, the vice chair moved to recommend Johnston’s confirmation to the full Senate. The roll call was underway when the transcript ended, with several members voting aye and one member expressing reservations about her not reviewing the pandemic after-action report before another crisis occurs.
ID
Transcript Highlights:
- Some are self-insured.
- The director of the Office of Group Insurance tells me there are 27,875 employees insured in the state
- insurance for your city employees?
- I've just heard that in a small place, you can't find insurance, and the insurance... ...heard that in
- a small place, you know, you can't find insurance.